Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: TX
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 received a decline to block with no evidence and refused my rights per 605B ( USC 1681c-2 ) ( C ) ( 3 ) Significance of Block No evidence to decline identity theft All information that has been provided to you per affidavit and FTC report should be removed/blocked immediately from my credit report, pursuant to section 605B ( USC 1681A ) of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Also, section 605B ( USC 1681c-2 ) ( a ) Clearly states : 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.

As you can see, it states from an alleged identity theft and it gives 4 items that can be submitted to the credit agencies for identity theft. Not one of these items states a police report must be included. That within itself is in violation of my consumer rights.

Therefore, the following has been sent to you : A copy of my Identity Theft Report from the FTC Report and proof of my identity.

Completed and Notarized Identity Theft Affidavit Copy of my Identification Proof of residence Again, Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

( 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 requested by the consumer in error ; This was not an error AND have been requested by the consumer with all required documentation by the FCRA ( B ) the information was blocked, or a 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 This is not a misrepresentation of fact and have been requested by the consumer as material fact ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.- No list of goods, services or money was provided to me that was received by the consumer and if such, please provide the evidence to make your decision valid Take NOTICE ( 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 1681i ( a ) ( 5 ) ( B ) of this title. I have NOT been notified of the listed goods, or money that retained and signed for that has caused a decline for my request ( 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. The credit bureau or reporting agency CAN NOT use this as evidence, SO again please provide your valid evidence of your decision to decline, including a list of goods received and address where they were received, moneys received and the amounts OR REMOVE THEM IMMEDIATELY PER THE LAW.

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