Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
I am writing to formally express my frustration and disappointment with Experian 's refusal to block fraudulent accounts from my credit report, despite my compliance with all documentation requirements and submission of substantial evidence of identity theft. Your recent email response ( dated XX/XX/2025 ) was not only dismissive but also unjustified. 

As a victim of identity theft, I have taken every necessary step to resolve this matter, including filing an FTC Identity Theft Report ( # XXXX ) and providing detailed information on the fraudulent accounts, which include : A XXXX XXXX XXXX XXXX loan with a balance of {$34000.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$9900.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$1400.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$260.00}. 
Another XXXX XXXX credit card ending in XXXX, with a balance of {$420.00}. 
An XXXX XXXX XXXX XXXX XXXX with a balance of {$33000.00}. 
An XXXX XXXX XXXX credit card ending in XXXX, with a balance of {$320.00}. 
An XXXX XXXX XXXX personal loan with a balance of {$3200.00}. 
Despite deleting two fraudulent accounts previously, Experian continues to refuse to block the remaining fraudulent information, citing baseless claims such as : Material Misrepresentation or Error in My Request : This accusation is entirely without merit. I submitted a valid FTC Identity Theft Affidavit, sworn under penalty of perjury, which includes detailed descriptions of the fraudulent accounts, including dates, balances, and account numbers. 
Failure to Provide a Law Enforcement Report : The FTC Identity Theft Affidavit I submitted satisfies the requirements under the Fair Credit Reporting Act ( FCRA ) as a valid identity theft report. It includes my sworn declaration under penalty of perjury. Your demand for additional documentation, such as a local law enforcement report, is excessive, unnecessary, and an outright violation of my rights under the FCRA. 
Shifting Responsibility : Suggesting that I directly contact the furnishers of the fraudulent accounts contradicts your legal obligations. The FCRA explicitly requires credit reporting agencies to block fraudulent accounts upon receipt of sufficient evidence of identity theft, which I have already provided. 
Your Legal Obligations : The FCRA mandates that Experian must block fraudulent accounts when presented with : A valid identity theft report ( which I have provided ). 
Supporting documentation that substantiates the claim ( which I have also provided ). 
Your continued refusal to block the remaining fraudulent accounts is a direct violation of these legal obligations and has caused significant harm to my financial reputation and opportunities. 

Demand for Immediate Action : I demand that Experian : Immediately delete and block all remaining fraudulent accounts from my credit file. 
Provide written confirmation that these accounts have been removed and blocked. 
If Experian fails to act within 10 days of receiving this correspondence, I will be forced to engage a consumer protection attorney to file a lawsuit against Experian for its violations of the FCRA and the harm caused to my financial standing. 

This matter is urgent and requires your immediate attention. I expect a prompt resolution.

Company response to consumer: Closed with explanation