Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15221432
Complaint Overview
Complaint ID: 15221432
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Missouri
ZIP Code: 63376
Date Received: 2025-08-11T12:00:00-05:00
Date Sent to Company: 2025-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
FINAL CFPB COMPLAINT & LEGAL DEMAND MULTIPLE WILLFUL VIOLATIONS OF FCRA 605B BY EXPERIAN Since XX/XX/XXXX, I have submitted XXXX complete and valid identity theft blocking requests under FCRA 605B to Experian, each including : ( 1 ) FTC Identity Theft Report, ( 2 ) government-issued ID, ( 3 ) proof of current address, and ( 4 ) a credit report clearly identifying fraudulent items. In each round, Experian partially deleted fraudulent information confirming that my documentation was valid, that the disputed items resulted from identity theft, and that Experian had the technical ability to remove all such information. Despite these acknowledgments, Experian willfully refused to block the fraudulent XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) and multiple unauthorized hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), instead repeatedly applying 611 reinvestigation procedures by contacting furnishers for verification a process explicitly prohibited under 605B once a valid Identity Theft Report has been submitted. FCRA 605B requires blocking all identity theftrelated information within four ( 4 ) business days of receiving a complete request. The law provides no discretion for partial blocking, selective removal, or repeated verification. By partially deleting some items while retaining others from the same theft event, Experian engaged in intentional, selective enforcement of the law, in direct violation of FCRA 605B, 607 ( a ), and 610 ( a ). This conduct constitutes multiple willful violations under 15 U.S.C. 1681n, entitling me to : Statutory damages of {$1000.00} per violation Actual damages exceeding {$5000.00} Full attorneys fees and costs Injunctive relief ordering permanent deletion of all fraudulent items Punitive damages for repeated, egregious misconduct FINAL DEMAND ( 48 HOURS ) : Experian must immediately and permanently block the XXXX XXXX account and all remaining fraudulent inquiries identified above. Written confirmation of deletion must be provided within 24 hours of compliance. Failure to comply will result in immediate filing of a federal lawsuit and referral to the CFPB, FTC, and Office of the Attorney General, seeking maximum statutory, actual, and punitive damages. Your repeated partial deletions have created irrefutable proof of willful violations and a clear pattern and practice of noncompliance, guaranteeing liability in court. Your actions are indefensible. You have admitted my documents were valid ( by deleting other items ), admitted the theft occurred, and admitted you could delete the information yet you chose not to. This is legal XXXX, and you will lose in litigation.
Frequently Asked Questions
What is Complaint #15221432 about?
Complaint #15221432 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-11T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.