Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : Formal Complaint Regarding Inaccessibility of Credit Report and Potential Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the denial of access to my credit report by Experian. I believe this issue is a result of identity theft, and I am concerned that my ability to access my credit report has been unfairly restricted, violating my rights as a consumer. Despite multiple attempts to access my credit report, I have been consistently denied access or given inaccurate information. 

As a consumer, I have the legal right to access my credit report, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which states that consumers are entitled to obtain a free copy of their credit report from each of the XXXX major credit bureaus once every 12 months. Under 15 U.S.C. 1681b, Experian is required to provide access to my credit report when I request it, and I am requesting assistance in resolving this issue promptly. 

Furthermore, I believe I am a victim of identity theft, as I have noticed inconsistencies across my credit report, including discrepancies in account information, addresses, and employer information. 15 U.S.C. 1681c-2, relating to " Blocking Information Resulting from Identity Theft, '' outlines that consumers have the right to request that any information related to identity theft be blocked from their credit report, and the consumer reporting agencies are obligated to comply. As I believe I am a victim of such theft, my credit report has likely been compromised and contains fraudulent information. 

The Fair Credit Reporting Act ( FCRA ) provides further protections for victims of identity theft. According to 15 U.S.C. 1681c-1, if a consumer has filed a police report regarding identity theft, they are entitled to request a fraud alert be placed on their credit file, and the credit reporting agency is required to take immediate action to protect the consumers information. 

Here are the key issues and violations that I have encountered : Failure to Provide Access to My Credit Report : Experian has denied my attempts to access my credit report, violating my rights under 15 U.S.C. 1681g. I have made multiple requests to access my report and received no clear response or actionable information regarding the status of my request. 

Inconsistencies in My Credit Report : Upon reviewing my credit report, I noticed discrepancies, including inconsistent addresses, incorrect account information, and unfamiliar employer details. These inconsistencies suggest the potential misuse of my identity. Under 15 U.S.C. 1681c-2, I am entitled to request an investigation into these discrepancies, and Experian is obligated to assist in rectifying these issues.

Identity Theft and Fraud Prevention : As I suspect I am a victim of identity theft, I am requesting that Experian block any fraudulent information from my credit report as per 15 U.S.C. 1681c-1. However, Experian has failed to assist me in this matter.

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