Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
Date : XX/XX/year>XXXX  To : Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX RE : NOTICE OF NONCOMPLIANCE WITH FCRA 605B REFUSAL TO BLOCK FRAUDULENT ACCOUNT To Whom It May Concern, This letter is in direct response to your correspondence dated XX/XX/year>, regarding my formal request to block fraudulent information from my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S. Code 1681c2 ]. Your response was both procedurally defective and legally noncompliant. Violations Committed by Experian 1. Failure to Block Fraudulent Information ( FCRA 605B ( a ) ) You were required by law to block the identified tradeline within four ( 4 ) business days of receiving a valid identity theft report and supporting documentation. I provided : A Federal Trade Commission Identity Theft Report ( FTC Report # XXXX ) A Police Report ( Tracking # XXXX ) Government-issued ID and Social Security card Documentation identifying the fraudulent XXXX  account : # XXXX These documents constitute sufficient legal proof under FCRA 605B and trigger your obligation to block the tradeline. You failed to do so. 2. Illegal Demand for Additional Documentation The FCRA does not require a utility bill, bank statement, or additional address verification to initiate a block request under 605B. Your requirement for such documents is an unlawful barrier and inconsistent with FTC and CFPB guidance. 3. Failure to Specify a Reason for Rejection ( FCRA 611 ( a ) ( 7 ) ) Your generic refusal lacked any explanation of what was allegedly missing or incorrect in my valid identity theft documentation. This failure to provide a specific, actionable reason violates my rights under FCRA 611 ( a ) ( 7 ). 4. Violation of FCRA 602 Failure to Maintain Fair and Reasonable Procedures Your response obstructs my right to fair credit reporting procedures and reflects a systemic failure to protect consumers from identity theft. 5. Misrepresentation of Legal Standards Your claim that the identity theft report must subject the filer to criminal penalties is already satisfied by the FTC affidavit I submitted. Your implication that additional documentation is required misrepresents the law. Immediate Demands You are hereby instructed to : 1. Permanently block the fraudulent XXXX XXXX XXXX # XXXX ) in accordance with FCRA 605B. 2. Provide written confirmation that the account has been : Blocked from all current and future consumer reports Removed from Experians internal records Reported as removed to all third-party data users 3. Correct your procedural policies to comply with federal law and cease the unlawful denial of valid identity theft block requests. Notice of Legal and Regulatory Action If I do not receive confirmation of the tradelines removal within 7 business days, I will proceed with filing formal complaints with the following agencies and may initiate legal action for statutory damages under : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California Attorney Generals Office Private legal counsel for FCRA violations This notice is sent in good faith and with the full expectation that Experian will promptly comply with the law. 

ATTACHMENTS XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Online Police Report XXXX Has Been Approved.pdf ( XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX ( XXXX Company responded STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting yourcomplainton XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered theinformation you have supplied through the CFPB portal and directly to Experian. In your complaint, you are requesting certain items to be removed from your credit report. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information and send you the results. In some instances, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. Please note that accurate information can not be deleted. Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.comXXXX  Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

Supplemental Complaint FCRA 605B Violation by Experian This is a supplemental complaint regarding my original CFPB complaint filed on XX/XX/year>, against Experian. I am notifying the CFPB that Experian is continuing to violate FCRA 605B [ 15 U.S. Code 1681c2 ] by refusing to block fraudulent information from my credit report, despite having received all documentation required by law. 
What Happened : I submitted a valid identity theft block request to Experian for a fraudulent XXXX  account ( Account # XXXX ). I provided : - FTC Identity Theft Report ( # XXXX ) - Police Report ( XXXX XXXX # XXXX ) - Government-issued ID & Social Security card- A written identification of the fraudulent tradelineUnder FCRA 605B ( a ), Experian was required to permanently block the identified information from my credit report within four ( 4 ) business days. 
How Experian Violated the Law : 1. They failed to block the tradeline within the required timeframe.2. They improperly treated my identity theft request as a standard dispute under FCRA 611.3. They contacted the furnisher ( XXXX  ) for verification this is expressly prohibited under 605B.4. They misrepresented the law, implying I was required to submit documents beyond what the statute mandates.5. They failed to provide a specific reason for denial as required under 611 ( a ) ( 7 ) .This is a blatant violation of federal law. 
I am requesting that the CFPB take immediate enforcement action and compel Experian to comply with FCRA 605B by blocking and removing the fraudulent account. If no action is taken, I will pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Notice of Intent to File Civil Action FCRA 605B Noncompliance Date : XX/XX/year> To : Experian Information Solutions, Inc.XXXX. XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | XXXX Dear Experian Legal Department : This letter serves as formal Notice of Intent to Initiate Legal Action for your companys willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S. Code 1681c2 ]. 
On or about XX/XX/year>, I submitted a valid Identity Theft Block Request that included : - FTC Identity Theft Report # XXXX Police Report from XXXX Police Department XXXX XXXX Government-issued ID and Social Security card- A signed statement identifying the fraudulent XXXX tradeline ( # XXXX XXXX Despite receipt of all required documents, you failed to block the tradeline within four business days, as mandated by FCRA 605B ( a ). Furthermore : - You improperly processed my request under FCRA 611, which does not apply to 605B identity theft block requests.- You contacted the furnisher ( XXXX ) a step explicitly prohibited under 605B.- You demanded additional documentation not required under federal law.- You refused to state any specific legal reason for denial, violating 611 ( a ) ( 7 ).- Your company continues to knowingly report fraudulent data in violation of 602. 
As a result of this noncompliance, I have suffered credit denials, emotional distress, and time lost correcting inaccurate and unlawful information. I am entitled to seek statutory damages, actual damages, and punitive damages under : - 15 U.S. Code 1681n Willful Noncompliance- 15 U.S. Code 1681o Negligent NoncomplianceUnless I receive written confirmation within 7 business days ( by XX/XX/year> ) that the following actions have been taken, I will proceed to file a civil suit in state or federal court : DEMANDS:1. Permanent block and deletion of the fraudulent XXXX  tradeline ( # XXXX ) .2. Written confirmation that : - The account has been removed from all current and future reports. - The data has been deleted from Experians internal records. - The deletion has been communicated to all third-party users.3. An apology and written acknowledgment of Experians failure to follow federal law.Failure to comply will result in immediate legal action, including statutory and punitive damages under the FCRA. This notice is provided in good faith and with the full intent to resolve the matter amicably.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