Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian for failing to block fraudulent items from my credit report that resulted from identity theft. Despite my compliance with all required procedures, Experian has refused to take appropriate action and continues to report inaccurate information, violating the Fair Credit Reporting Act ( FCRA ).

Background of the Issue : I was a victim of identity theft and submitted the required documentation to Experian, including : A police report detailing the identity theft incident.

A report from the Federal Trade Commission ( FTC ) XXXX. 

Supporting reports from the Internal Revenue Service ( IRS ). 

Copies of my identification, proof of address, and any additional documents requested. 

Experian responded by stating that my law enforcement report was not valid because it was online-generated and allegedly not received by a law enforcement agency. However, my police report was properly filed and should be recognized as an official report under the FCRA. Despite providing all required documents, Experian refuses to block fraudulent accounts and transactions that resulted from identity theft. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block fraudulent information on a consumer 's credit report upon receipt of a valid identity theft report. XXXX refusal to do so is a direct violation of federal law. 

Additionally, Experians failure to acknowledge my submitted reports despite multiple attempts raises serious concerns about their dispute-handling process. The FCRA mandates that a credit reporting agency must conduct a reasonable investigation into a consumer dispute, which Experian has failed to do.

Requested Resolution : Immediate removal of all fraudulent accounts and inaccurate information from my credit report as mandated by the FCRA.

A formal acknowledgment that my identity theft report and supporting documents were received and processed in compliance with federal regulations. 

A thorough investigation into XXXX refusal to block fraudulent items due to identity theft, as this is part of an ongoing pattern of misconduct. 
Assurance that Experian will comply with federal laws and take proper action on valid identity theft claims without unnecessary delays or rejections.

I have made multiple good-faith efforts to resolve this matter directly with Experian, but they continue to disregard my legitimate claims. I urge the CFPB to intervene and ensure that Experian complies with federal consumer protection laws.

Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this issue.

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