Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am writing to lodge a formal complaint against Experian regarding their continued refusal to remove fraudulent information from my credit report. The fraudulent entry pertains to XXXX XXXX  account # XXXX. Despite multiple notifications and the provision of supporting documentation, Experian has failed to address this issue adequately.

Details of the Complaint : 1. Initial Dispute and Supporting Documentation : o Date : XX/XX/XXXX o Action Taken : I submitted a dispute to Experian regarding the fraudulent XXXX XXXX  account # XXXX on my credit report. I included an FTC Identity Theft Report ( FTC Report # XXXX ) to substantiate my claim of identity theft. 
2. Follow-Up Action : o Date : XX/XX/XXXX o Action Taken : After receiving no resolution, I reached out to Experian again, reiterating my dispute and re-submitting the FTC Identity Theft Report. Despite this follow-up, Experian has not acted on my request. 
3. Current Status : o Elapsed Time : More than 82 days have passed since I initiated my dispute on XX/XX/XXXX. The fraudulent information remains on my credit profile, impacting my creditworthiness and causing undue stress. 
Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvania Identity Theft Protection Act ( Act 102 of 2014 ) : This law provides consumers the right to dispute and rectify fraudulent information on their credit reports. Credit reporting agencies are required to investigate these disputes and correct inaccuracies in a timely manner.

2. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies on their credit reports. Credit reporting agencies, including Experian, are legally required to conduct a reasonable investigation and correct any errors promptly.

o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This law ensures protections for victims of identity theft, including the removal of fraudulent information from credit reports.

Request for CFPB Intervention : Given that more than 82 days have elapsed since my initial dispute and the fraudulent information remains unresolved, I respectfully request the CFPB 's intervention to compel Experian to : XXXX. Immediately remove the fraudulent XXXXXXXX XXXX account # XXXX from my credit report. 
2. Confirm in writing that the fraudulent entry has been removed and that my credit profile has been updated accordingly. 
XXXX inaction has led to significant distress and financial harm. I trust that the CFPB will take the necessary steps to ensure compliance with both Pennsylvania state law and federal regulations, and to facilitate a resolution to this matter. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA, 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