Consumer complaint received 2020-07-25
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:
I have been a victim of Idenitity theft and reported it to the FTC XX/XX/2020, I then took the report that was provided to submit a claim on Consumer Financial Protection Bureau to the 3 credit bureaus notifying them of the case relate to the Identity Theft. In submitting my complaint I included the report, a copy of my driver 's license, social security card and passport as well as a previous letter received from Experian. They have rejected my claim 4 TIMES, based on the following " STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company responded Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB XX/XX/2020 Complaint Detail portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. You also may write to us at the address on your Experian personal credit report. Be sure to include the following information : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth 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. Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). As i have stated I have supplied everything they have requested and more and they are still refusing to process my complaint of identity theft. I believe my rights as provided by the FCRA are being blantantly violated by Experian. Everyday they close my complaint and I refile ; this is identity theft and according to section 605B of the Fair Credit Reporting Act, 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 ( 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 I stated I provided all required information and they still are declining to process my complaint based on 3rd party submittal. 

This has been submitted and closed under 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