Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today not only as a victim of a crime, but as a witness to a flagrant violation of federal law by Experian Information Solutions , Inc . I followed the rules you have laid out for citizens seeking protection. I provided Experian with every piece of legally required documentation. In return, Experian took the loudest possible action : complete and total silence. 

This silence is not an oversight ; it is a willful choice. It is a failure of their entire duty, a complete breakdown of due process, and it is my definitive proof that they have chosen to operate outside the law. 

THE UNDENIABLE FACTS AND EXPERIANS WILLFUL VIOLATION On XX/XX/year>, Experian received my formal dispute package via certified mail. This was a legally sufficient notification containing : My official FTC Identity Theft Report ( # XXXX ). 

A detailed, sworn affidavit explaining the coercive circumstances of the identity theft. 

XXXXlear identification of the fraudulent accounts.

All necessary identity verification documents.

The Fair Credit Reporting Act is not ambiguous. FCRA 605B is a direct command. It mandates that upon receiving this specific documentation, Experian MUST block the fraudulent information from my file within XXXX ( XXXX ) business days. 

The statutory deadline for Experian to comply with this command was the end of business on XXXX XXXX XXXX XXXX 

As of today, XXXX XXXX XXXX XXXX Experian remains in flagrant, willful violation of federal law. 

THE LAW APPLIES TO ALL, OR IT APPLIES TO NONE If I were the XXXX in violation of a federal lawif I failed to meet a financial obligationI would face the full consequences. I could not claim ignorance. I could not simply remain silent and hope the problem disappears. There would be letters, calls, damage to my credit, and potential legal action. 

I now ask you : Should a multi-billion dollar corporation, whose entire business is built upon the very laws they are now breaking, be held to a lower standard than a single citizen? 

Their silence is a tacit statement that they believe they are above the law. They have violated the entire process from the start. An incomplete performance is a failed performance. By failing to even respond, Experian has failed entirely. 

THE TIME FOR INVESTIGATION IS OVER Experian had its chance to perform its duties. The window for a good-faith investigation, as mandated by the FCRA, has closed. They can not now, upon being brought to your attention for accountability, be granted extra time to do the job they were legally required to complete last week. 

Their violation of the XXXX block rule under 605B is absolute. There is no provision in the law that grants a violator an extension once they have been caught. Their failure to investigate at all under 611 within a reasonable timeframe compounds their guilt. 

Granting them a new XXXX window now would be to reward their illegal inaction. The lawbreaker does not get to set the terms of their compliance. 

Experian 's silence is their definitive response. They have chosen to willfully neglect the entire law. There is no ambiguity here. 

Therefore, I am not asking you to start a new process. I am asking you to end the XXXX Experian failed to honor. Their actions have exposed them to significant civil liability under 15 U.S.C. 1681n, and their non-compliance continues to cause me real, ongoing financial and emotional harm every single day. 

I demand, through your authority as the enforcer of these laws, that Experian be compelled to perform its duty immediately. I demand the immediate and permanent deletion of all fraudulent accounts, inquiries, and associated information from my Experian credit file. There should be no further investigation, no delays, only the enforcement of the law as it is written. 

I have laid the facts before you. I have shown that I followed the law, and Experian chose to break it. I now ask for justice. 

Sincerely, 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