Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
The Consumer Financial Protection Bureau is authorized to exercise its authorities to administer, enforce, and implement the Federal consumer financial laws that protects me, the federally protected consumer - 12 USC 5512. EXPERIAN IS NOT IN COMPLIANCE WITH THEIR CODE OF FEDERAL REGULATIONS, 12 CFR 1022, REGULATION V, that implements the Fair Credit Reporting Act 15 USC 1681. By being in noncompliance with their Code of Federal Regulations, they are violating federal law, the Fair Credit Reporting Act 15 USC 1681. I am a victim of identity theft pursuant to 12 CFR 1022.3 ( h ) a fraud was committed against me using my identifying information without my authority. I have mailed my certified documents to Experian, which included my proof of identification, proof of address, and official identity theft report from the Federal Trade Commission. Experian received my certified documents on XX/XX/XXXX. Experian has admitted and proven that they are aware that they have to abide by the Fair Credit Reporting Act because I received a notice on XX/XX/XXXX that Experian was going to start an investigation and they were declining to block the fraudulent accounts, this authority is given to them in 15 USC 1681c-2 ( c ). However, within that same section in the FCRA it states that Experian has to notify me in 5 business days of their decision to decline the block. Experian notified me in 9 business days. Experian willfully and knowingly failed to provide me that notice within the correct time frame, which is a requirement of 15 USC 1681c-2 ( c ) ( 2 ), which is noncompliance violation of 15 USC 1681n and 15 USC 1681o . Since Experian is aware of 15 USC 1692c-2 ( c ) within the Fair Credit Reporting Act it leads me to believe that Experian also willfully and negligently continued to report adverse information on my consumer report during their investigation that last from XX/XX/XXXX through XX/XX/XXXX, which is a requirement of 15 USC 1681l they failed to comply with, which is a noncompliance violation of 15 USC 1681n and 15 USC 1681o . Experian also failed to complete their investigation within 30 days, which is a requirement of 12 CFR 1022.43 ( e ) ( 3 ), 611 ( a ) ( 1 ) of the FCRA 15 USC 1681i ( a ) ( 1 ) which is a noncompliance violation of 15 USC 1681n and 15 USC 1681o. Experian is willfully and negligently continuing to report this information on my consumer report without my written instructions to furnish this information, my written instructions is a requirement of 15 USC 1681b ( a ) ( 2 ) which is a noncompliance violation of 15 USC 1681n and 15 USC 1681o. Experian, your Code of Federal Regulations is an implementation of the Fair Credit Reporting Act. You can not pick and choose what law you will abide by in the Fair Credit Reporting Act, you have to abide by ALL OF THE LAWS within the Fair Credit Reporting Act. You, EXPERIAN, are NOT IN COMPLIANCE with Regulation V and you are VIOLATING FEDERAL LAWS and requirements that you have to abide by or you will be held civilly liable for willful noncompliance and you will be held civilly liable for negligent noncompliance. Rectify these damages and violations that you, Experian have committed against me, a consumer, and your Code of Federal Regulations by deleting the accounts immediately.

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