Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute the erroneous accounts that appear on my consumer file and to express my frustration regarding your company 's repeated non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, also known as Section 605B, which addresses the blocking of information resulting from identity theft. 

FCRA Section 605B ( 15 U.S. Code 1681c-2 ) Non-Compliance Under Section 605B of the FCRA, when a consumer provides documentation of identity theft, including proof of identity and a police report, the credit reporting agency is legally required to block the reporting of the disputed information within four business days. The law explicitly states : 15 U.S.C. 1681c-2 ( a ) Upon receiving a copy of an identity theft report, the credit reporting agency shall block the reporting of any information that the consumer identifies as resulting from an identity theft incident. 
15 U.S.C. 1681c-2 ( c ) ( 1 ) The credit reporting agency may not require further documentation beyond the police report and proof of identity in order to fulfill the obligation of blocking the information. 
Despite following these legal steps and providing you with my identification documents and supporting materials multiple times, Experian has failed to comply with this statute by continuing to report false accounts on my consumer file. This is a direct violation of your obligations under the FCRA. 

Repeated Requests for Identification Already Provided Experian has repeatedly emailed me, demanding copies of my ID, Social Security card, and utility bills, all of which I have submitted on numerous occasions. Your refusal to block the disputed accounts despite receiving this documentation is in clear violation of your responsibilities under Section 605B of the FCRA. 

The false and inaccurate accounts that must be removed immediately from my report include : XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  {$2500.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX {$440.00} Additionally, the address XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX is not my address and should be promptly removed from my consumer file. 

Moreover, there is an erroneous bankruptcy listed on my Experian credit report that does not appear on the reports from the other XXXX major credit reporting agencies ( XXXX and XXXX ). This further highlights the inaccuracy and negligence in your handling of my consumer report. 

Legal Obligations and Consequences of Non-Compliance Per Section 605B, Experian is required by law to block these erroneous accounts within XXXX business days of receiving my dispute, which you have failed to do. This ongoing failure to comply with the FCRA opens Experian to liability under FCRA 1681n for willful non-compliance and FCRA 1681o for negligent non-compliance, both of which may result in statutory damages, attorney 's fees, and court costs. 

Immediate Action Requested I demand that Experian take the following steps immediately : Remove all erroneous accounts listed above from my credit report within XXXX business days, as required by law under Section 605B. 
Remove the incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my consumer file. 
Provide written confirmation that the disputed information has been blocked or removed, along with an updated copy of my credit report. 
Cease further requests for identification documents, as I have already provided them multiple times, and this practice is not in accordance with Section 605B. 
Should Experian fail to resolve this matter promptly, I will have no choice but to escalate my complaint. 

Please be aware that I have also uploaded and highlighted the errors on my credit report, which clearly indicate the discrepancies and false information that have yet to be addressed. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these issues. This is not a duplicate complaint Experian has not removed any items from my report.