Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with Experian have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of XXXX v. XXXX as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in fact exists, However, Experian has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA 611 ( a ) ( 7 ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA 611 ( a ) ( 2 ) ( B ), it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from XXXX v. XXXX, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. XXXX  XXXX XXXX Credit Card Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX Credit Card Account : XXXXXXXX XXXX XXXX  Credit Card Account : XXXX. I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft. Please promptly provide me with all the information utilized in your investigation of the dispute, as required by FCRA 611 ( a ) ( 7 ). This includes any communication and documentation transmitted to the creditor, as well as any additional steps taken in ensuring the accuracy and resolution of the dispute. I believe that Experian has not fulfilled its obligations under the FCRA, which include conducting a thorough investigation into disputed items and contacting the furnisher of the information to ensure accuracy and completeness. I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and conduct an independent review of my case. I urge you to ensure that my rights as a consumer are protected, and that Experian fulfills its responsibilities under the FCRA.

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