Consumer complaint received 2024-01-30
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. (CA)

This is a follow up to the following currently open cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Please be advised that you will be receiving a followup complaint everyday starting today until you have taken steps to address this issue and I am no longer being harmed by your reckless disregard for State and Federal laws and the rights they afford me.

Today I spoke with an agent from Experian who confirmed you have and have had all the required documentation needed from me to block the information from my credit report in accordance with section 605b of the FCRA. However, I also learned from the agent that Experian does not handled requests made to block information which is the result of identity theft, in accordance with section 605b. The agent informed me that Experian does not block the information itself and instead relies on the furnisher to do so. FCRA 605B ( a ) ( 15 U.S.C. 1681c-2 ) states " Except as otherwise provided in this section, a CONSUMER REPORTING AGENCY shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Thus it is Experian who is responsible for blocking the information and not the furnisher. Even if Experian were to delegate this responsibility to the furnisher, Experian would still be responsible for full compliance with the applicable law and thus would be liable for the harm caused by the non-compliance.

In the present matter, the first time Experian received notice from me, which fully complied with FCRA 605B ( a ) was on XX/XX/2023. Regardless of whether Experian, the furnisher, or another third party was delegated the task of review and approval of the request by Experian, It was still legally obligated to ensure the task was completed within XXXX business days, which would have been XX/XX/2023 at the very latest. No action was taken until XX/XX/2023. Not only was Experian 's reaction untimely, it did not conform to the requirements of section 605B. Experian has since been given multiple opportunities to address its mishandling of my requests, but has declined to do. As a result I have and will continue to suffer irreparable harm. For example at the end of this week I will be homeless because I have been unable to secure housing because of the reporting of this information by Experian. Forcing someone into homelessness is inhuman and pure evil. The damage Experian will cause me come Friday will have a permanent adverse impact my life. Should this happen, I will spend every waking moment of my life to ensure you are held accountable and to stop you from ever doing the same to anyone else again.