Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: CO
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 submitted a complaint against Experian on XX/XX/XXXX and included my applicable Federal Trade Commission fraud report and now they are asking for information that violates the Privacy Act of 1974 in order to remove the account when I already gave them my fraud report. Please review 5 USC 552a in regards to reporting on individuals. 
XXXX XXXX XXXX " We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. In order to have the requested information removed from your personal credit report, you must send us a copy of a recent valid identity theft report ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false ). 

The identity theft report should include as many of the following elements as possible : When the loss or theft of personal information occurred or when the fraud ( s ) occurred How you discovered or learned of the theft Any known information about the perpetrator The names of creditors and account numbers involved in the theft Name and/or badge number of the law enforcement personnel who processed the report and The filing date and case number Also enclose the below information with your request : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

If you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. '' I have attached a copy of my fraud report to the previous complaint and will attach it again. In regards to the other information they are requesting such as my social security number I do not have to give that to them according to the privacy act of 1974. Also according to the Privacy Act of 1974 no agency can discriminate against me and not provide service because I do not wish to provide them my private information.

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