Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
a little while ago I printed my Experian credit report and noticed some fraudulent activity which caused XXXX upon me and hardship and loses. I reported to Experian that this accounts were fraudulent, unauthorized and without my written consent added to my credit report. so far Experian has refused to do a proper investigation of these accounts and failed to provide information requested after Experian verified the accounts as certified. on XXXX XXXX I mailed Experian a letter requesting information of the reinvestigation through certified mail a copy of my identity theft report, FTC report along with a copy of my ID, Social security card and a utility bill which according to the XXXX receipt return they received on XX/XX/2022, I called Experian on XX/XX/2022 to follow up and they told they didn't receive proof of identity. according to the FRCA everything in my reports has to be 100 % accurate and Experian handling of my disputes and reinvestigation violates several sections of the FRCA. 

Experian stated that these accounts were properly investigated and came back as verified and failed to provide information requested. however, how is this true when these accounts are fraudulent and FTC report and Identity theft report was mailed to them through certified mail?

605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation - ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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