Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15914952
Complaint Overview
Complaint ID: 15914952
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: Georgia
ZIP Code: XXXXX
Date Received: 2025-09-12T12:00:00-05:00
Date Sent to Company: 2025-09-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Against Experian Fraud Department Refusal to Process Identity Theft Dispute and Police Report Dear CFPB, I am submitting this complaint against Experian for discriminatory and unlawful conduct by an Experian fraud department employee on XX/XX/year>. On that date, I called Experian to file an identity theft dispute concerning a fraudulent XXXX XXXX XXXX XXXX credit card account that appeared on my credit report. I had already uploaded my valid police identity theft reportthrough Experians official upload portal at Experian.com/upload. During my call, the Experian representative confirmed that he could see my uploaded police report. However, he refused to attach the police report to my dispute. He stated that because my police report had been filed over the phone, it was not a legitimate report and therefore he would not process my identity theft dispute. This is not correct under the law. Filing a police report over the phone is a recognized, lawful method of filing an identity theft report. The Fair Credit Reporting Act ( FCRA ) does not restrict the way a police report is filed. By refusing to accept my police report and blocking my dispute, the Experian employee unlawfully denied me my rights. I am also XXXX and currently XXXX XXXX I informed the Experian employee of this. His refusal to process my dispute and dismissive treatment was not only unlawful but also discriminatory. Legal Violations by Experian Experians refusal violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires a credit reporting agency to block identity theft-related information within 4 business days of receiving a police report. Experian failed to do so. 2. FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation when a consumer disputes inaccurate information. Refusing to file my dispute outright is a direct violation. 3. FCRA 611 ( b ) Requires Experian to consider all relevant information submitted by the consumer. My police report was unlawfully rejected. 4. FCRA 605B ( c ) ( 2 ) Prohibits a consumer reporting agency from refusing to block fraudulent information once an identity theft report has been provided. 5. Potential Disability Discrimination By refusing to provide me equal service after I disclosed that I am XXXX and XXXX, Experian engaged in discriminatory practices. Harm Caused Experians unlawful refusal has : * Prevented me from blocking fraudulent accounts from my credit file. * Denied me my federally protected rights under the FCRA. * Left me exposed to ongoing harm from identity theft. * Caused significant stress and hardship while I am XXXX. Requested Relief I respectfully request that the CFPB : 1. Investigate Experians refusal to process my identity theft police report. 2. Require Experian to immediately accept and attach my police report. XXXX. Enforce my right to have fraudulent information related to XXXX XXXX XXXX XXXX blocked under FCRA 605B. 4. Review and correct Experians policies and training regarding acceptance of police reports filed by phone. 5. Investigate Experians treatment of XXXX consumers for potential discriminatory practices. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #15914952 about?
Complaint #15914952 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 2025-09-12T12:00:00-05:00.
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.