Consumer complaint received 2025-05-08 00:00:00
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.
State: MO

Complaint narrative:
To : Department of Consumer Complaints, Fraud Division Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX And Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear XXXX XXXX, I am writing to formally request the assistance of the Federal Trade Commission ( FTC ) in addressing a serious matter involving Experian, which has failed to comply with federal law regarding identity theft. I also ask that the FTC investigate Experians broader business practices, as there appear to be numerous consumer complaints about Experian neglecting to properly address fraud disputes and failing to fulfill its legal obligations. 

I notified Experian that I was a victim of identity theft and that my personal information had been exposed in the XXXX  data breach. Specifically, I informed Experian that the XXXX account appearing on my credit report is fraudulent and not mine. Additionally, my mail was previously rerouted to another address without my consent, though that issue has since been resolved. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), governs what credit bureaus must do when notified of identity theft. The law clearly states : 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 4 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.

Failure to comply with this requirement is a violation of the FCRA and can subject the agency to civil liability, including actual damages, statutory damages, punitive damages, attorneys fees, and potential FTC enforcement actions under 15 U.S.C. 1681n and 1681o.

It has now been well over four ( 4 ) business days since I provided Experian with formal notice of the identity theft, along with the necessary documentation, yet the fraudulent XXXX account remains on my credit report. This is a direct and clear violation of federal law. 

I hereby demand that Experian immediately block and remove the XXXX account from my credit report in accordance with the FCRA. I have once again attached a copy of the identity theft report and the supporting documentation for your reference. 

Moreover, I respectfully request that the FTC investigate Experians broader business operations, as there is mounting evidence that many consumers are experiencing the same type of neglect and noncompliance when reporting fraud and identity theft. 

If Experian does not comply with the law, I will be forced to proceed with legal action against the company for violations of my rights under the FCRA. 

Thank you for your attention to this urgent matter. I trust that with your assistance, Experian will be held accountable and consumers rights will be protected. 

Sincerely, XXXX XXXX

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