Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Fraudulent Accounts and FCRA Violations Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding fraudulent accounts on my credit report and the failure of the credit reporting agencies to remove them under FCRA Section 605B. I am a victim of identity theft, and despite submitting a dispute, these accounts remain on my credit report, negatively affecting my financial well-being. 
Details of the Issue 1. Fraudulent Accounts : XXXX  XXXX XXXX Opened XX/XX/XXXX {$130.00} balance Secured Credit Card XXXX  XXXX Opened XX/XX/XXXX {$130.00} XXXX Credit Card XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Secured Credit Card These accounts were never opened by me, and I am requesting their removal.

2. Failure to Comply with FCRA Section 605B : Under FCRA Section 605B, credit bureaus are legally required to block fraudulent accounts within four ( 4 ) business days of receiving my request. 
I submitted disputes to Equifax, TransUnion, and Experian, but the fraudulent accounts have not been removed as required by law.

3. Personal Information Discrepancies : My correct name is XXXX XXXX, and my correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
The credit bureaus have listed incorrect name variations and addresses that do not belong to me. 
Attempts to Resolve the Issue I have submitted disputes to all three credit bureaus ( Equifax, Experian, and TransUnion ) along with an FTC Identity Theft Affidavit, but no action has been taken. 
I have attached supporting documents, including proof of my identity and credit report screenshots highlighting the fraudulent accounts.

Action Requested I am requesting the Consumer Financial Protection Bureau to : 1. Investigate the failure of Equifax, Experian, and TransUnion to comply with FCRA Section 605B.

2. Require the credit bureaus to permanently remove the fraudulent accounts from my credit reports.

3. Ensure the removal of any incorrect personal information from my credit file.

Supporting Documentation Attached 1. FTC Identity Theft Affidavit ( signed and notarized ).

2. FCRA Section 605 Block Letter sent to the credit bureaus.

3. Screenshots of my credit report showing fraudulent accounts.

4. Proof of identity ( drivers license ).

5. Proof of address ( utility bill or bank statement ).

Contact Information If additional information is required, I can be reached at the address provided above. I appreciate the CFPBs assistance in ensuring that my credit file is corrected in compliance with federal law. 
Thank you for your prompt attention to this matter. 
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