Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. Experian and XXXX have done nothing but give me difficult time on the telephone and correspondence generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud. 
U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in thisOn XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this On XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this XXXX XXXX O MO XXXX al 9 % XXXX LT PDF Save as PDF Copies : XXXX Paper size : PRODUCT Credit reporting, credit repair services, or other personal consumer reports PDF ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we wil typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by " XXXX XXXX '. ( " see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this /5 section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reportin g agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was r requested by the consumer in error ; ( B ) the information was blocked, ora block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1 681i ( a ) ( 5X ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check servicescompany, acting as such, which issues authorizations for theby any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. 

( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 

Experian and XXXX thinks this law does not apply to them. 

These are the issues with my credit reports : ( XXXX ) The addresses XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX are outdated and have been linked to fraud and identity theft by interrupting the forwarding of mail. ( see enclosed case numbers from the USPS ) THESE ADDRESSES NEED TO BE REMOVED EMPLOYMENT : My business name XXXX XXXX XXXX has been changed to XXXX XXXX XXXX ( see enclosed Certificate of Existance ) US Department of the Navy ( XXXX ) is my former employment ( XXXX ) The following inquiries are were not authorized or initiated by me : ( The first one I have been disputing for over a year ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) & ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) THESE INQUIRIES NEED TO BE REMOVED. 

If the credit bureaus would actually contact the company listed as the inquirer, they would learn that they are instructing us incorrectly when telling us to contact the furnisher. They listen, check their systems for accounts but ultimately tell you to contact the bureaus.

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 explanation