Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint Regarding Failure to Remove Identity Theft Information from Credit Report Consumer is writing to file a formal complaint against the credit reporting agencies XXXX, XXXX XXXX Experian for failing to remove fraudulent information from consumers credit report, despite consumers repeated requests and compliance with all necessary procedures. 

On XX/XX/XXXX consumer discovered that they were a victim of identity theft. The fraudulent activities have severely impacted consumers credit report, and consumer has been diligently working to have these items removed. To this end, consumer filed an identity theft report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX, and provided copies of this report, along with other supporting documentation, to the credit reporting agencies. 

Pursuant to 15 U.S.C. 1681c-2 ( the Fair Credit Reporting Act ), the CRAs are required to block the reporting of fraudulent information resulting from identity theft within four business days of receiving proof of the identity theft, a copy of the identity theft report, and an identification of the fraudulent items to be blocked. Despite meeting these requirements and making multiple requests, the credit reporting agencies have failed to comply with this legal obligation. 

The failure to remove this fraudulent information is not a matter of negligence or oversight but constitutes willful non-compliance with the FCRA. This deliberate disregard for federal law has caused significant and ongoing harm to consumers credit standing, financial well-being, and peace of mind. 

Under 15 U.S.C. 1681n, consumer is entitled to seek damages for this willful violation, including actual damages, statutory damages, punitive damages, and reasonable attorneys fees and costs.

Consumer has contacted the credit reporting agencies XXXX, Experian and XXXX and provided all required information, yet the fraudulent items remain on consumers credit file. This failure to act is causing continued harm to consumers credit score and financial well-being.

Consumer is requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit reporting agencies immediately comply with the law, remove all fraudulent information from consumers credit report and credit file, and prevent further damage to consumers credit standing. 

Requested Resolution : 1. Immediate removal of all fraudulent information from consumer credit report, in accordance with 15 U.S.C. 1681c-2. 
2. Confirmation in writing that the fraudulent information has been removed.

3. An investigation into the credit reporting agencies non-compliance with federal law.

Remedy for non compliance of {$5000.00} pee 15 usc 1681n! Through electronic funds transfer. 
Account # XXXX Routing # XXXX Thank you for your prompt attention to this matter. 

Personal Information : Full Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX Phone Number : [ XXXX ] Email : [ XXXX ] Credit Reporting Agencies Involved : [ XXXX, Experian, XXXX ]