Consumer complaint received 2025-09-11 00:00:00
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.
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX I submitted to your office : A written request to block identity theft-related information from my credit report ; Proof of my identity ; and A valid FTC Identity Theft Report / Police Report ( attached ).

Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), consumer reporting agencies are REQUIRED/MUST to block identity theft-related information from a consumer report within XXXX ( XXXX ) business days of receiving such a request. The late doesnt say you can think about it or you may delay or wait to confirm with the furnisher BEFORE blocking.

The items were blocked and then this account was reinserted : XXXX XXXX I then disputed the reinsertion on XX/XX/XXXX and this was closed on XX/XX/XXXX citing someone else sent the dispute which was not true. I sent the last dispute on XX/XX/XXXX with police report and ftc report to have this removed. 

This account was allegedly opened without any in-person verification or legally binding signature. The fact that my pertinent information was successfully used does not serve as substantial legal evidence that I was the one who applied after my wallet was stolen. Anyone could apply and upload anything requested to pass security protocols. 
There is no admissible evidence proving that I personally applied for, authorized, or opened this account. 
Federal law does not allow the continued reporting of information based solely on your opinion or belief that I am responsible. Without definitive evidence, you can not lawfully associate this account with me. 

As of today, more than XXXX business days have passed, and the fraudulent information remains on my credit report. This constitutes a willful violation of federal law. 

THE LAW AFFIRMS THAT THE clock for the XXXX window starts when the CRA actually receives the required documents directly. UNDER 15 U.S.C. 1681c-2 ( a ) Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Your continued reporting of inaccurate information despite my formal dispute constitutes willful noncompliance under 15 U.S.C. 1681n.

As a result of your failure to comply with the statutory requirements of the Fair Credit Reporting Act ( FCRA ), I have suffered damages including, but not limited to : Denied credit and financing opportunities Emotional distress and stress-related damages Loss of ability to obtain favorable interest rates The other CRAs blocked this account after they received my dispute on XX/XX/XXXX and have not reinserted this fraudulent account so im wondering on what documentation you have received to conclude this account was in fact opened by me that the other CRAs didnt receive.

I hereby demand monetary compensation for your willful violations of the FCRA. Under 15 U.S.C. 1681n, I am entitled to actual damages, statutory damages up to {$1000.00} per violation, and attorneys fees.

To resolve this matter without litigation, I demand payment of {$1000.00} PER infraction within 15 days from the date of this letter and permanent blocking of the fraudulent account. 
Infractions : 1. ) {$1000.00} for reinsertion after blocking without documentation that proves reinsertion did not violate 15 U.S.C. 1681eb 2. ) {$1000.00} for not complying with 15 U.S.C. 1681c-2 ( a ) on 8/29/25 3. ) {$1000.00} for not complying with 15 U.S.C. 1681c-2 ( a ) on XX/XX/XXXX I demand total monetary compensation of {$3000.00}. 

This amount reflects the financial and emotional harm caused by your willful noncompliance. 
If I do not receive payment or a written settlement offer within 15 days, I will have no choice but to pursue all legal remedies, including filing a lawsuit and summon you for statutory, actual, attorney fees, and punitive damages under the FCRA for Carlton E. Little v. Experian Information Solutions , Inc . 

Please direct all correspondence and payment to the address listed above. 
P.S.Attached are all documents showing previous disputes and failure, the reinsertion without docments, police report and ftc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation