Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request your assistance in obtaining justice and remedy for Experians failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite my submission of the appropriate documentation, including an FTC Identity Theft Report, Experian has failed to block and remove fraudulent information related to identity theft from my credit report. This failure has resulted in financial and emotional harm, for which I seek monetary compensation for both actual and statutory damage In early XXXX, I became aware of fraudulent activity on my credit report due to identity theft. I promptly filed an FTC Identity Theft Report and notified Experian, providing all required documentation to support my dispute. Specifically, I requested the removal of the following fraudulent information : Fraudulent account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of submission to Experian : XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2, Experian is obligated to block fraudulent information from my credit report within four business days after receiving notice and supporting documents. Despite my timely submission, Experian has failed to remove or block the fraudulent information from my credit report, which is a clear violation of the FCRA. 

As a result of Experians failure to comply with federal law, I have experienced the following consequences : Increased interest rates on existing credit accounts and Emotional distress and financial uncertainty. 


Due to Experians willful non-compliance with the FCRA, I am seeking monetary compensation for Actual Damages : Compensation for the financial harm I have incurred, including increased credit costs and other economic losses. Also Statutory Damages In accordance with 15 U.S.C. 1681n, I request statutory damages of {$1000.00} per violation, as Experian has willfully violated my rights by failing to remove the fraudulent information from my report. In addition to actual and statutory damages, I reserve the right to pursue punitive damages if Experian continues to neglect its legal responsibilities. I respectfully request that the CFPB take the following actions to remedy this situation : Investigate Experians failure to block and remove fraudulent identity theft-related information from my credit report. Ensure that Experian complies with the FCRA by immediately removing the fraudulent information from my credit report and providing written confirmation of this action. Assist in securing monetary compensation for both actual and statutory damages resulting from Experians willful violation of the FCRA. 

I trust that the CFPB will take swift and appropriate action to address this matter. I have attached copies of all relevant documentation, including the FTC Identity Theft Report, communications with Experian, and evidence of the fraudulent activity on my credit report. 

Thank you for your time and attention to this urgent issue. I look forward to your prompt response and resolution.