Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my Experian RentBureau report that is the result of identity theft. Despite providing ample evidence to Experian RentBureau, they have unjustly refused to remove this fraudulent account from my report. This situation has caused significant distress and financial harm, and I am seeking your assistance in rectifying this matter promptly. 
In XX/XX/2020, I discovered that an account had been opened in my name without my consent, and it has since appeared on my Experian RentBureau report. I immediately took action by filing a police report and gathering the necessary documentation to prove my identity and address, including a copy of my ID, proof of address, and the aforementioned police report filed in 2020. 

It is imperative to note that according to Section 623 ( a ) ( 6 ) of the Fair Credit Reporting Act, all furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. Furthermore, a furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. 

Despite my repeated attempts and the provision of all necessary documentation, Experian RentBureau has failed to adhere to these legal requirements. This not only violates my rights as a consumer but also exacerbates the harm caused by this fraudulent account.

Furthermore, under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act, when a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Experian RentBureau 's failure to comply with these regulations is unacceptable and requires immediate intervention. 

Moreover, according to Section 615 ( f ) of the Fair Credit Reporting Act, when any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. 
I demand that the Consumer Financial Protection Bureau intervenes in this matter immediately and ensures that Experian RentBureau removes the fraudulent account from my report without further delay. If necessary, I am prepared to pursue legal action against Experian RentBureau to rectify this situation and seek compensation for the damages incurred. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and assistance in resolving this distressing situation.

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 non-monetary relief