Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against Experian, a consumer reporting agency, for their continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to their failure to address my identity theft report and subsequent identity theft information block request. This complaint is in reference to my previous complaint filed with the CFPB on XX/XX/2023, which was received and opened on XX/XX/2023. The reference number for that complaint is XXXX On XX/XX/2023, I submitted an identity theft report to Experian, along with all necessary documentation, as required by law. This report was in accordance with 15 U.S. Code 1681c2, which mandates that a consumer reporting agency must block the reporting of information resulting from alleged identity theft within four business days of receiving appropriate proof of identity, an identity theft report, identification of the disputed information, and a statement by the consumer confirming the information 's inaccuracy. 

As of the current date, XX/XX/2023, it has been well over the four-day threshold, and Experian has failed to fulfill their legal obligation to block the disputed information from my consumer report. Furthermore, Experian has not provided any investigation details or indications on my consumer report that the alleged accounts are in dispute, as required by law. 

This prolonged delay and the lack of cooperation from Experian have caused me significant stress and mental strain. I firmly believe that Experian is taking advantage of my situation and violating my consumer rights. The FCRA was enacted by Congress to safeguard consumers from the actions of private companies that neglect their duties and responsibilities. Experian 's failure to comply with the FCRA has not only caused undue hardship but also undermines the very purpose of this legislation. 

I have raised multiple complaints regarding Experian 's conduct to the Consumer Financial Protection Bureau, and I implore you to take appropriate action against Experian for their blatant disregard of consumer rights and federal law. Experian 's actions, or lack thereof, have not only exposed their non-compliance but also demonstrated a lack of accountability for their role as a consumer reporting agency. 

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and holds Experian accountable for their actions. Immediate corrective measures are necessary to ensure that my consumer rights are protected, and that Experian fulfills its obligations under the FCRA without further delay. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take swift and appropriate action to rectify this situation and ensure that Experian adheres to the laws that govern its operations.

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