Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
CFPB Escalation Prepared as a High-Level Legal Submission Subject : Experians Continued Violation of FCRA 605B Refusal to Block Identity Theft Information ( Third CFPB Submission ) Complainant : Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Reference : Ongoing CFPB Case Experian ( 3rd Submission in 15 Days ) 1. Summary of the Issue I am filing this escalation complaint against Experian Information Solutions for ongoing violations of the Fair Credit Reporting Act ( FCRA ) 605B, which requires consumer reporting agencies to block fraudulent information within four ( 4 ) business days after receiving proof of identity theft and a valid request.

Despite three separate submissions within a 15-day period, Experian continues to use stall tactics and refuses to block information associated with my identity theft case. They are now demanding a police report, which is not required under the FCRA when the consumer has already provided an FTC Identity Theft Report, affidavit, and supporting documentation.

2. Violations Committed by Experian Experians conduct violates the following federal provisions : FCRA 605B ( a ) requires a consumer reporting agency to block the reporting of information identified by the consumer as resulting from identity theft within 4 business days of receiving : 1. Proof of the consumers identity, 2. A copy of an identity theft report, and 3. The identification of the fraudulent information.

FCRA 605B ( b ) prohibits CRAs from conditioning a block request on the submission of a police report if a valid FTC Identity Theft Report has already been submitted.

Experians insistence on a local police report despite a valid FTC affidavit and breach documentation directly violates this section.

FCRA 611 ( a ) requires CRAs to complete reinvestigations within 30 days and provide the results. This has been repeatedly delayed or ignored.

3. Background and Supporting Evidence I am a confirmed victim of the XXXX  Data Breach, and I have provided Experian with : My FTC Identity Theft Report ( with affidavit ), Government-issued identification, Proof of address and identity, Evidence of unauthorized accounts and breach documentation.

Despite these submissions, Experian continues to : Refuse to block fraudulent tradelines, Demand redundant or unnecessary documentation, Ignore multiple CFPB case communications, Issue template stall letters ( as attached ) that delay compliance.

4. Pattern of Non-Compliance and Similar Cases This behavior reflects a pattern of systemic non-compliance by Experian that has been documented in prior enforcement actions : CFPB v. Experian Information Solutions ( 2023 ) CFPB fined Experian for deceptive and obstructive dispute practices, including failing to properly investigate identity theft reports.

FTC & State AG Settlements ( XXXX ) Experian was sanctioned for violating consumers FCRA rights and misrepresenting the dispute process. 
Public CFPB Complaints show thousands of consumers reporting identical police report stall tactics, where Experian wrongfully rejects FTC reports.

These precedents demonstrate a pattern of bad faith responses designed to discourage victims and delay legal compliance.

5. Requested Relief I am requesting that the CFPB Enforcement Division : 1. Compel Experian to immediately comply with FCRA 605B and block the fraudulent information from my credit report.

2. Open an enforcement investigation into Experians pattern of using police report demands to avoid compliance with the FCRA.

3. Require Experian to provide written confirmation of all blocked items and updated reports within 5 business days.

4. Apply civil penalties or refer to the FTC and DOJ for review if Experians delay continues.

6. Supporting Documents Attached Copies of Experian stall letters Affidavit of Identity Theft Proof of government ID and address CFPB complaint reference numbers XXXX. XXXX XXXX. XXXX XXXX  breach documentation 7. Closing Statement I have made good-faith efforts to comply with every request made by Experian. Their continued refusal to honor the FCRAs blocking provisions constitutes a deliberate violation of my consumer rights under federal law. 
This is now my third formal submission in 15 days, and Experian has failed to take corrective action. 

I respectfully request that this be escalated to CFPB Enforcement for immediate review. 



Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX CFPB XXXX Case Reference : 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