Consumer complaint received 2025-01-19 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: NY

Complaint narrative:
XXXX I am writing in response to your inadequate and noncompliant reply regarding my dispute of fraudulent accounts on my credit report. As a victim of the XXXX XXXX breach and identity theft, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation, Experian has failed to comply with federal law by refusing to block and remove fraudulent information. 
Your actionsor lack thereofare a clear violation of Section XXXX ( XXXX XXXX XXXX ) and Section XXXX ( XXXX XXXX XXXX XXXX of the FCRA, which are designed to protect consumers like me. 
Violations Under the FCRA 1. Failure to Block Fraudulent Information Within Four Business Days Under Section XXXX of the FCRA, Experian is required to block information resulting from identity theft within four business days upon receiving : o Proof of identity. 
o A copy of an Identity Theft Report ( filed with the FTC or law enforcement ). 
o Identification of the information to be blocked. 
o A statement that the disputed information is the result of identity theft. 
I have provided all the necessary documentation, including : o A copy of my government-issued ID. 
o Proof of address.

o A signed FTC Identity Theft Report. 
o A detailed statement identifying the fraudulent accounts and their inaccuracies. 
Your refusal to act in accordance with Section XXXX is unlawful and unacceptable. 
2. Failure to Conduct a Reasonable Investigation Under Section XXXX ( XXXX XXXX XXXX ), Experian must : o Conduct a thorough investigation of disputed information within 30 days ( or 45 days for annual free credit reports ). 
o Notify the furnisher of the information and provide all relevant evidence submitted by the consumer. 
o Delete or correct inaccurate or unverifiable information. 
Your response claiming insufficient information without initiating or completing an investigation demonstrates bad faith and a failure to meet the standards outlined in the FCRA. This is further evidence of XXXX pattern of ignoring consumer protection laws. 
3. Failure to Uphold Accuracy Standards Under Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian is obligated to maintain maximum possible accuracy in the information it reports. By refusing to block and remove the fraudulent accounts I identified, you are perpetuating inaccurate and damaging information on my credit report, further violating your statutory duties. 
Fraudulent Accounts to Be Blocked and Removed I reiterate my demand for the immediate removal of the following fraudulent accounts : XXXX. XXXX XXXX o Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  o Account Number : XXXX Demands Pursuant to the FCRA, I demand that Experian : 1. Immediately block and permanently delete the fraudulent accounts listed above from my credit report in accordance with Section 605B.

2. Provide written confirmation of the actions taken.

3. Initiate and complete a full investigation of my dispute as required under Section 611. 
4. Cease and desist from further reporting of inaccurate and unverifiable information.

Consequences of Non-Compliance If you fail to comply with this request, I will escalate this matter to : The Consumer Financial Protection Bureau ( CFPB ) for filing a formal complaint regarding Experians failure to uphold its obligations under the FCRA.

The Office of the Attorney General in my state, as well as any other relevant authorities. 
My legal counsel for potential civil action under Section XXXX ( XXXX XXXX XXXX ) and Section XXXX ( XXXX XXXX XXXX ), which allow for damages caused by willful or negligent noncompliance with the FCRA. 
Let me remind you that under the FCRA, any willful noncompliance exposes Experian to statutory damages, actual damages, punitive damages, attorneys fees, and court costs. 
Final Notice This letter serves as my final notice to Experian. I expect immediate action to correct your violations of the FCRA. You may contact me directly at [ Your Phone Number ] or [ Your Email Address ] to confirm compliance or request additional information. I expect resolution within four business days of receipt of this letter. 
Failure to act will result in further action, as outlined above. 
Sincerely, XXXX 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