Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX this consumer informed Experian that the company is furnishing information on my consumer report that are results of identity theft. According to the FCRA as long as I the consumer natural person Identified the fraudulent information without mistakes and submitted an FTC report the company must block the information within 4 business days Experian has failed to comply with the federal laws in place and continues to violate my consumer rights. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX EXPERIAN FRAUD CENTER XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, On XX/XX/2022 you EXPERIAN were notified that your company has been furnishing accounts on my consumer report that a result of identity theft. Your company has chosen to ignore the federal laws by continuing to furnish said information. Your company has a total of 4 business days to block information that is the result of Identity theft, as of today it has been a total of 10 business days. EXPERIAN is willfully non-compliant and liable for my suffering due to your negligence. I have enclosed a copy of my Drivers license and bank statement with my address clearly stated. You DO NOT have 60 days to block this information I will be gracious enough to grant you with an additional 4 days to obey the law. Your company is now liable for many consumer violations, and I suggest that you cease and desist furnishing the information that is a result of identity theft. The violations below are but a few of Federal Consumer Violations that you are and continue to violate : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies In addition, your company is guilty of identity theft not only did you FAIL to obey the federal law by blocking the information that the consumer identified as identity theft but your company has NO permission to furnish any identifying information I have NEVER granted you any such access I have never filed a social security administration release of information to any such companies. 
Your failure to comply WILL result in this matter being taken to a higher authority and I assure you that this countrys judicial system is not accepting of Aggravated Identity Theft. 
Respectfully 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 explanation