Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently contacted Experian about an account that was fraudulently opened in my name. Experian suggested I file the proper report, and send them the information as soon as possible. This account is a couple years old, its been taken off, resubmitted and I've been personally disputing this account month after because of the blatant inaccuracies and falsified information. I most recently filed an identity theft report with the FTC about the company, XXXX XXXX XXXX. 
Today, XX/XX/2022, I received and email from Experian updating about the dispute. 
In the email, Experian stated : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. 

I understand the consumer reporting agency can refuse or cancel a request for a block if, for example, you dont provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. 

Material misrepresentation is the act of intentional hiding or fabrication of a material fact which, if known to the other party, could have terminated, or significantly altered the basis of, a contract, deal, or transaction. 

Furnishing and reporting inaccurate information is against the law. Supplying credit information on an account where identity theft was previously reported is in direct violation of the FCRA. 

Neither one of the reasoning 's is attributed in defense to denying this falsified information to be reported. I am a victim of Identity Theft. I filed a report, and sent the documents. I wasn't knowledgeable of this account until after the negative effects had already posted to my report. Every since I educated myself on how to dispute the information, I've done so. After I reached out to the company, they couldn't supply me with documents bearing my wet signature. There is also inaccurate information used to open this account that has never belonged to me. The negligence by Experian is clearly a direct violation of my consumer rights. What authority do you have to say that I am not a victim and that this account is indeed mine?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief