Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint under 15 U.S.C. 1681c-2 Failure of Equifax, Experian, and TransUnion to Block Identity Theft Information To Whom It May Concern : I am a victim of identity theft. On XX/XX/XXXX, I filed both an IdentityTheft.gov report and a police report identifying a fraudulent XXXX account ( # XXXX ) that does not belong to me. I submitted my blocking requests, along with proof of identity and copies of the reports, to Equifax, Experian, and TransUnion. Despite having provided everything required under 15 U.S.C. 1681c-2, these credit reporting agencies have failed to block the fraudulent XXXX account from my credit files. 

Legal Violations The Fair Credit Reporting Act, 15 U.S.C. 1681c-2, requires CRAs to block information identified by the consumer as resulting from identity theft within four business days after receiving : 1. Proof of identity, 2. A copy of the identity theft report, 3. Identification of the fraudulent account ( s ), and 4. A statement that the information is not related to any transaction of the consumer. 

I complied with every requirement. Yet, weeks later, the fraudulent XXXX account remains on my reports. This is a direct violation of the law and a willful failure of Equifax, Experian, and TransUnion to carry out their mandatory obligations. 

Harm Suffered Because of their refusal to block this fraudulent information, I have already been denied credit and suffered reputational harm. This interference with my ability to obtain legitimate credit is causing financial and personal damage. 

Requested Action by CFPB I demand that the CFPB : 1. Investigate Equifax, Experian, and TransUnion for violations of 15 U.S.C. 1681c-2. 
XXXX. Compel these agencies to immediately block the XXXX account ( # XXXX ) and confirm in writing that the block has been completed. 
XXXX. Require XXXX XXXX, as the furnisher, to cease reporting the fraudulent account and correct all records previously provided to CRAs. 
XXXX. Investigate whether the CRAs or XXXX improperly rescinded or ignored my blocking request, and require production of their internal records regarding this decision. 
XXXX. Impose enforcement measures to ensure future compliance, as this is a clear, willful violation of the FCRA. 

Notice of Remedies If these violations are not corrected promptly, I will pursue every available remedy under federal law, including statutory and punitive damages for willful violations of the FCRA. I request that the CFPB forward this complaint to the companies involved, demand their written responses, and provide me with copies of those responses. 

Attached are copies of : XXXX Report ( dated XX/XX/XXXX ) Police Report ( dated XX/XX/XXXX ) Proof of identity ( drivers license, SSN last XXXX ) Copies of my credit reports showing the XXXX account ( # XXXX ) Copies of my dispute/blocking requests to Equifax, Experian, and TransUnion Sincerely XXXX 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