Consumer complaint received 2024-10-24
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. (MD)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Follow-Up Complaint Against Experian for Willful Noncompliance with FCRA Sections 605B and 616 Dear CFPB Complaint Team, I am writing to urgently follow up on my previous complaint regarding Experian 's continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c2 ). Despite providing all required documentation, Experian has failed to block fraudulent information on my credit report within the mandated four business days and has explicitly refused to comply with federal law. 
Background : On XX/XX/year>, I submitted the necessary documentation to Experian to initiate a block on fraudulent accounts resulting from identity theft, as outlined under FCRA Section 605B. The documents provided included : Identity Theft Report : Police Report filed with the XXXX XXXX Police Department on XX/XX/year>, Report Number XXXX. 
FTC Identity Theft Affidavit : Completed and signed.

Proof of Identity : Copy of my government-issued ID. 
Utility Bill : Recent utility bill dated XX/XX/year>, confirming my current address. 
These documents fulfill all requirements under FCRA Section 605B for Experian to block the fraudulent information on my credit report within four business days. 
Experian 's Noncompliance : Failure to Block Fraudulent Information : As of today, it has been well beyond the four-business-day timeframe mandated by FCRA Section 605B, yet Experian has not taken action to block the fraudulent accounts. 
Refusal to Comply with Federal Law : On XX/XX/year>, I contacted Experian 's customer service to inquire about the delay. During this call : A representative informed me that Experian would not comply with FCRA Section 605B. 
Upon escalation, a supervisor reiterated that Experian adheres to internal policies over federal law. 
The supervisor then terminated the call without providing further assistance. 
Statement on FCRA Section 605B : If FCRA Section 605B is no longer considered relevant or enforceable, it is imperative that consumers are informed accordingly. Otherwise, credit reporting agencies must be held accountable to comply with the law as written. I rely on the CFPB to ensure that federal laws designed to protect consumers are upheld, and that entities like Experian can not disregard their legal obligations. 
Violations : Noncompliance with FCRA Section 605B ( 15 U.S.C. 1681c2 ) : Experian is legally required to block fraudulent information within four business days upon receipt of an identity theft report and proof of identity. They have failed to do so. 
Willful Noncompliance under FCRA Section 616 ( 15 U.S.C. 1681n ) : Experian 's deliberate refusal to comply with federal law constitutes willful noncompliance, exposing them to civil liability, including actual damages, statutory damages, punitive damages, and attorney 's fees. 
Impact on Me : Financial Harm : The continued presence of fraudulent information on my credit report is negatively impacting my credit score. Experian 's noncompliance is jeopardizing this critical financial transaction. 
Emotional Distress : Experian 's actions have caused significant stress and anxiety during an already challenging time.