Consumer complaint received 2024-04-23
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. (CA)

XXXX XXXX XXXX XXXX Date of Birth-XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand to Block Fraudulent Information on Credit Report ( FCRA Section 605B ) To Whom It May Concern, I am writing to express my concern at what I believe to be discriminatory practices within your credit reporting systems and the refusal to block an account that have been inaccurately reported on my credit report due to identity theft, pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I have disputed this account numerous times under section 605 ( B ) of the Fair Credit Reporting Act. 
The alleged account is a result of Identity Fraud and I have notified the appropriate authorities as recommended by the CFPB and Federal Trade Commission. It is disheartening to voice my concerns regarding what I believe to be discriminatory practices within your credit reporting systems. 

I have previously submitted an identity theft report, including a detailed Federal Trade Commission ( FTC ) Identity Theft Affidavit and, where applicable, a police report. 

Despite these efforts, there seems to be a delay or refusal to block the fraudulent information from my credit report. 

I want to make note that, the other two of major consumer reporting agencies have already acknowledged my claim under Section 605B of the Fair Credit Reporting Act and have deemed my case to be in good faith and have agreed to block the disputed information, and I have the deletion results of the other two to prove it. I have contacted the data furnisher directly to notify them of identity theft of the alleged account. 

and it is disheartening to express my concern regarding what I believe to be discriminatory practices within your credit reporting systems. I have called in to Experian customer service on numerous occasions and get treated unfavorably upon them hearing my tone of voice or looking at my photo ID, and I have regarded friends and associates of mine of different backgrounds and ethnicities who have dealt with similar issues, make identity theft claims of similar context and circumstance under the FCRA, and get remedy within four business days. These disparities not only perpetuate systemic inequality but also have real life impact and consequences for marginalized individuals. 
Given the information provided, the refusal to block the alleged account at Experian. It would seem as though someone at the department making the conscious decision to purposely refuse to block this account and that is a violation of my rights under the FCRA and the Equal Opportunity Act. I implore you to uphold principles of fairness and equality at your agency.

Furthermore, This dispute was not 1 ( a ). blocked in error 2 ( b ). a material of misrepresentation of facts or c ( 3 ). I have not obtained goods or services from any transaction on the alleged disputed account, and if you believe otherwise, I need a senior member or advisor representative on behalf of Experian to swear under penalty of perjury that It is fact, If I have obtained and goods or services for any transactions on this account. 

The details of the disputed accounts are as follows : [ XXXX XXXX XXXX XXXX ] [ Account was opened due to fraud and isnt validated under obligations pursuant to the FCRA ] According to the FCRA, you are required to block the reporting of this information within four business days of receiving my identity theft report and to promptly notify the furnisher ( s ) of this information that it has been blocked due to my status as an identity theft victim. 

Despite having a payment history, which is a point of contention, these accounts are not mine, and the existence of payment history does not validate the fraudulent nature of the accounts, nor should it prevent the application of my rights under the FCRA. 

The liable person illegitimately obtained possession of the account by using my personal information and social security number to obtain the account, However, I was provided with a billing statement that for this account that showed, an Incorrect Address, Phone Number, Email, and Date of Birth. The only that matches with me is my Name, and Social Security Number, and as I have stated before the thieves obtained an account using my personal information. So therefore, this account does not meet FCRA regulations and should be blocked. 

Enclosed with this letter, please find copies of : The FTC Identity Theft Affidavit, Any previous correspondence related to this matter, Proof of my identity ( state ID, drivers license, etc. ) and Utility bill. 

I respectfully request an expedited response to this serious matter. 

Failure to comply with the FCRA can result in legal consequences. I notified the CFPB of discrimination, and planning to take it further if necessary to protect my rights. 

Please send me written confirmation that the information has been blocked and provide me with an updated credit report to my address listed above. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

You may contact me for any further information or verification at the phone number provided or email attached to on my Experian profile. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX.