Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: KY
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 discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, Experian and XXXX. Some the reported accounts were blocked from my credit report however, three fraudulent accounts still remain on my credit report. In XX/XX/XXXX and again in XX/XX/XXXX I requested to have the fraudulent accounts in question blocked by Experian due to these accounts being the result of fraud. I submitted a statement regarding the fraudulent accounts, a copy of my FTC identity theft report, a copy of my police report with local law enforcement, a copy of my driver 's license, passport, social security card and utility bills. With my information I requested a block of the fraudulent accounts as is my right under FCRA 605B ( 15 U.S.C. 1681c-2 ). Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 stated, I provided all the necessary documentation for the fraudulent accounts to be blocked. Experian received all of the above documentation in XX/XX/XXXX and again in XX/XX/XXXX ( received receipt attached ). It has been nine days since I submitted my THIRD request for this to be corrected. I appreciate Experian 's swift response to my letter and that all other accounts have been resolved however, three of the fraudulent accounts still remain. Experian sent me a blanket response refusing to block these fraudulent accounts for the below reasons : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Experian has not given me a clear response on which of the three reasons above is the reason for denying my request, just that it is one of those reasons. I have repeatedly advised Experian that the request to block this information is not an error, not a material misrepresentation and that I did not obtain possession of goods, services or money as a result of the blocked transaction or transactions. Therefore Experian can not deny my request to block this information. They keep treating my request as a dispute and stating that I will get notified of the results in 30 days. My request is for a block not a dispute. Experian keeps coming back saying the accounts are verified which of course it would be verified, it was opened with my information fraudulently. Due to the negligent and willful failure to comply with its requirements, I am filing a complaint with CFPB and will also be seeking actual and punitive damages through the legal system.

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