Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Remove Fraudulent Accounts and Violation of FCRA From XXXX, XXXX & Experian To Whom It May Concern, I am filing a formal complaint regarding your failure to remove fraudulent accounts from my credit report despite my multiple attempts to dispute them, including providing a Federal Trade Commission ( FTC ) Identity Theft Report and citing my legal rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I have been trying to resolve this matter for an extended period of time, but despite the documentation I providedclearly demonstrating that these accounts were opened due to identity theftExperian has continuously stated that the accounts were " verified, '' without appropriately investigating or taking action in accordance with the law. This is not only incorrect but is in direct violation of the Fair Credit Reporting Act, which mandates that fraudulent information must be blocked and permanently removed from my credit report within four ( 4 ) business days of receiving the necessary documentation. 

Here is a summary of the issues I am experiencing : Failure to Remove Fraudulent Accounts : I have submitted an FTC Identity Theft Report and clearly outlined the fraudulent nature of these accounts. However, Experian continues to report them as valid, despite being legally obligated to remove and block this information within the required four business days.

Violation of FCRA ( 15 U.S.C. 1681c-2 ) : According to the Fair Credit Reporting Act, fraudulent accounts must be blocked and permanently removed from my credit report. XXXX failure to comply with this provision is a violation of federal law. 

Negative Impact on My Financial Well-Being : The continued presence of these fraudulent accounts on my credit report is severely impacting my financial stability. I am unable to secure housing, employment, or basic services due to the damage caused by these inaccuracies. 

Given these violations, I am formally requesting that Experian take the following immediate actions : Block and permanently remove all fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
Provide written confirmation that these accounts have been removed and blocked, including an updated credit report reflecting the changes. 
A clear explanation of why my previous requests were not handled in accordance with the law, and the actions being taken to rectify this situation. 
I expect this matter to be resolved immediately and within the statutory timeframe. If these actions are not taken, I will be forced to escalate this complaint further and consider legal action. 

Thank you for your prompt attention to this serious 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