Consumer complaint received 2025-03-13 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:
I am requesting that Experian remove the account on my credit file due to XXXX XXXX. I have tried to upload the documents and Experian has blocked it off where consumers can not continue to upload documents. 

XXXX  Block Request Per FCRA Section 605C Timeframes for Consumer Reporting Agencies to Comply - Consumer Reporting Agencies have up to 4 business days upon receipt of the Submission to temporarily block the identified Adverse Information from Consumer Reports. 1022.142 ( e ) ( 1 ) - Consumer Reporting Agencies have up to 5 business days upon receipt of the Submission to contact the Survivor or their Advocate about any missing information regarding their Submission, if needed. 1022.142 ( e ) ( 2 ) ( i ) - Consumer Reporting Agencies have up to 25 business days upon receipt of the Submission to make a final determination about whether the block will remain permanent, or the block will be rescinded. 1022.142 ( b ) ( 6 ) ( ii ) ( B ) - Consumer Reporting Agencies have up to 5 business days after a final determination is made to notify the Survivor of the outcome of the determination and provide the Survivor or their Advocate with a copy of their revised Consumer Report ( at no cost ), through the Survivors preferred communication method. 1022.142 ( b ) ( 6 ) ( ii ) ( B ) Final Determination Consumer Reporting Agencies can deny or rescind a block in limited circumstances : 1. The identity of the Survivor can not be reasonably confirmed ; 2. The Survivor did not provide documentation determining Survivor status from an accepted source ; and/or 3. The Consumer Reporting Agency can not identify the adverse credit information to be blocked.

Survivors have the right to appeal a Consumer Reporting Agency 's decision. The Agency must provide information about the appeal process along with its final determination. 

If you have not processed a trafficking block before, it is highly recommended that you contact legal counsel prior to closing this block. 

For additional information, see XXXXXXXX 
FCRA Section 605C Consumer Submission XXXX XXXX Request to Block Adverse Information Date : XX/XX/XXXX Full Name : XXXX, XXXX, XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Section 605C XXXX Block Request To whom it may concern, I am a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX  : Financial Experian - Creditor : XXXX XXXX Date Reported : XXXX  Current Status : CHARGED OFF Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ). 

My preferred method of contact : XXXX Phone Please contact my Advocate on my behalf My representatives information : ( Optional ) Representative Name : N/A Representative Email : N/A Representative Phone : N/A Sincerely, XXXX XXXX ENCLOSURES Proof of Identity XXXX XXXX ) : Drivers License, Social Security Number, Bill XXXX XXXX FCRA Section 605C Self-Attestation Form ( attached )

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