Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I originally sent a letter to you dated XX/XX/XXXX, stating that you are reporting fraudulent/ incorrect information on my credit report that resulted from identity theft. This information should be blocked! 

You are reporting a name ( XXXX XXXX XXXX - Name ID # XXXX ) that is not my name. I have never gone by this name and this name is not associated with me in any way. I have previously provided you with a police report stating that this fraudulent name is not mine. According to FCRA 603 - 15 U.S.C. 1681a, this is identity theft because fraud was committed using my identifying information, such as my social security number and my address. The information ( XXXX XXXX XXXX - Name ID # XXXX ) and an associated account ( XXXX XXXX XXXX - Account # XXXX ) are not related to any transaction by me, XXXX XXXX XXXX. 

I am requesting that Experian remove and block this name ( XXXX XXXX XXXX - Name ID # XXXX ) and account ( XXXX XXXX XXXX - Account # XXXX ) from my credit report due to this information being a result of identity theft. XXXX XXXX XXXX does not have my permission, nor a valid reason to access my credit report. 

According to 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. 

I have attached a copy of my proof of identity in the form of my state issued drivers license, a copy of the police report listing the name and account that were identified as identity theft, I have identified the name and account above that are related to identity theft, and I have provided a statement saying that this information is not related to any transaction by me. I have also attached a copy of my credit report where the account ( XXXX XXXX XXXX - Account # XXXX ) shows that the vehicle associated with this account was repossessed in XXXX of XXXX ; therefore, the creditor has possession of the vehicle and no consumer obtained possession of goods as a result of the requested block from my credit. 
In addition, I have attached an official TN DMV Driving Record which shows that my license was originally issued XX/XX/XXXX. I also have a Real ID which means that I have provided proof of ID to the DMV, prior to the issue of my license. My XXXX DMV Driving Record is also attached showing my name as XXXX XXXX XXXX. 

REMOVE AND BLOCK THIS INFORMATION WITHIN 4 BUSINESS DAYS OF THE RECEIPT OF THIS LETTER per FCRA 605B - 15 U.S.C. 1681c-2. 

I filed a CFPB Complaint in XX/XX/XXXX and the complaint is still open and nothing has been done to make sure that this information is removed and blocked per the FCRA guidelines. The credit bureau failed to respond within 30 days which should result in an automatic deletion of the disputed information.

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