Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a consumer reporting agency, due to their failure to adhere to the regulatory mandates of the Fair Credit Reporting Act ( FCRA ) following my report of identity theft. 

As a victim of identity theft, I have diligently followed the procedures outlined in the FCRA, particularly Section 605 ( b ), which stipulates that consumer reporting agencies are legally required to block fraudulent information from the credit reports of affected individuals. I have provided Experian with the necessary documentation multiple times over the past two weeks, including proof of identity, proof of residency, an FTC affidavit, and a police report filed with XXXX XXXX XXXX ( Police Report Number : XXXX ) on XX/XX/. 

The fraudulent accounts listed on my credit report, which I have identified as being a result of identity theft, have not been addressed by Experian in accordance with the provisions set forth in the FCRA. Despite repeated submissions of required documentation, Experian has failed to take the necessary steps to block these accounts from my credit report within the mandated period of four business days, as required by law. 

The accounts in question, which I deem as fraudulent and seek to have blocked from my credit report, are as follows : 1. XXXX XXXX XXXX Account number : XXXX 2. XXXX XXXX XXXXXXXX Account number : XXXX 3. XXXX XXXX XXXX  Account number : XXXX 4. XXXX XXXX XXXX Account number : XXXX 5. XXXX. XXXX, XXXX Account number : XXXX 6XXXX XXXX XXXX XXXX Account number : XXXX 7. XXXX XXXX XXXX Account number : XXXX 8. XXXX XXXX XXXX Account number : XXXX 9. XXXX XXXX XXXX Account number : XXXX 10. XXXX XXXX XXXX XXXX Account number : XXXX 11. XXXX XXXX Account number : XXXX 12. XXXX XXXX XXXX Account number : XXXX 13. XXXX XXXX Account number : XXXX 14. XXXX XXXX Account number : XXXX Experian 's non-compliance with the FCRA has directly impacted my financial well-being, creditworthiness, and overall peace of mind. This negligence has further exacerbated the stress and hardship resulting from the identity theft incident. 

I kindly request the Consumer Financial Protection Bureau 's intervention and prompt investigation into this matter. I urge the CFPB to enforce the provisions of the FCRA, ensuring that Experian fulfills its legal obligations by blocking the fraudulent accounts from my credit report without further delay. Additionally, I request that appropriate sanctions be imposed upon Experian for their failure to comply with federal regulations. 

Enclosed, please find copies of all relevant documents, including the police report, proof of identity, and proof of residency, which were previously submitted to Experian. 

I sincerely appreciate your attention to this urgent matter and look forward to a resolution that upholds the protections guaranteed by the FCRA. 

Sincerely, XXXX XXXX

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