Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
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/2023 XXXX XXXX  Experian ( Credit Bureau ) receive letter and identity theft report USPS Tracking # XXXX stating and identifying that i am the victim of Identity theft, on XXXX the XXXX, 2023 XXXX XXXX business days after i checked my Credit report to see if they have blocked the information as the Fair Credit Reporting Act Requires, experian didn't, so i called to find out why, first they denied receiving any of my documents and letter then i was told that 4 days begin on XX/XX/2023, i have also check back on the XX/XX/2023 the information and accounts are still not blocked despite an associate verify all the documents over the phone ( I have the recordings of the Conversation ) and confirm it will take take 4 business days. On Friday XX/XX/2023 Experian sent me an email stating this.. 

We are responding to your request that information in your personal credit report be identity theft. In order to have the requested information removed from your personal send us a copy of a recent valid identity theft report ( an official report filed with an local law enforcement agency, including the Federal Trade Commission or the U.S. 
or others, the filing of which subjects the person who filed the report to criminal is false ). 
The identity theft report should include as many of the following elements as possible :! " When the loss or theft of personal information occurred or when the fraud ( s ) occurred! " How you discovered or learned of the theft! " Any known information about the perpetrator! " The names of creditors and account numbers involved in the theft! " Name and/or badge number of the law enforcement personnel who processed the! " The filing date and case number. 
Also enclose the below information with your request :! " 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. 
! " Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX )! " Social Security number! " Date of birth! " Complete addresses for the past two years Experian has been given A official Identity theft Report by the Local law enforcement Agency and the FTC, That includes case number, Officer name, they also received My Id, My social Security Number, A utility Bill, My Full name, My Date of Birth and My Statement, i have given everything required under the law yet Experian as Credit Bureau continues to violate the law and my Consumer rights prescribed by congress under Fair Credit Reporting Act, on XX/XX/2023 these information is still not block on my credit report let me reminds Experian what the law require for these accounts and information to be block- ( 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. 



605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. 

relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

CC : Maryland Attorney General

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 non-monetary relief