Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It May Concern : 15 USC 1681 ( c ) ( 2 ) Except as otherwise provided in this 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 I have contacted Experian twelve times, via certified mail to dispute fraudulent personal information ( incorrect variations of names, incorrect birth dates, incorrect addresses, incorrect employment, and incorrect phone numbers ), fraudulent inquiries and fraudulent accounts, which were a direct result of identity theft, on my consumer report. This has been especially frustrating as I have paid for Experian Works, without having a correct consumer report, or having the ability to properly dispute. 

Despite providing proof of the Federal Trade Commissions identity theft affidavit, police reports, my current drivers license and utility bill, and a dispute letter stating that the information/ transactions were fraudulent and not relating to any transaction by me, Experian has failed to follow the law, conduct an actual investigation and remove all fraudulent information from my consumer report. In accordance with 15 USC 1681 ( c-2 ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), Experian should have blocked all information resulting from identity theft within 4 days.

15 USC 1681 ( b ) ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

Based on the above laws and circumstantial situation, I demand the deletion of the fraudulent accounts, and fraudulent personally identifiable information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As there are a multitude of inaccurate variations, I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My corrected legal name, per my written instructions 2. My corrected address, per my written instructions Please delete all other addresses, as I can not receive mail or any correspondence, nor do I have access to any of these addresses. Please delete these fraudulent addresses and update the address with the corrected address, per my written instructions. 

Delete any and all other phone numbers, except my corrected phone number, per my written instructions. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed.

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