Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On or about XX/XX/year>, I submitted a XXXX XXXX victim self-attestation letter, signed and certified, determining that I was a victim of XXXX, to the consumer reporting agency Experian, through their online submission. 

For the purpose of this complaint, I will attach and upload a file copy of the letter originally sent as a supporting document with this complaint. 

I provided all the required documentation pertaining to my identification, the detailed information regarding the accounts and inquiries on my credit file resulting from XXXX  that should be blocked and signatures from both myself and an authorized XXXX representative. 

Pursuant to section 605C of the Fair Credit Reporting Act, I kindly requested that Experian block this information from my credit report within four business days. I also kindly requested Experian to send me notification of the actions taken. It has been about 10 days since Experian received my request and they have failed to comply and act in accordance with the Fair Credit Reporting Act. 

I have been advised to go on record and file a complaint with the CFPB due to this now being a direct violation of the Fair Credit Reporting Act ( FCRA ) and opens up the door for legal action. The law pursuant to section 605C clearly states the following : " Section 605C of the Fair Credit Reporting Act ( FCRA ) requires Consumer Reporting Agencies ( CRAs ) to temporarily block adverse information from consumer reports within four business days of receiving a submission. This applies to information identified by the consumer or their representative as a result of XXXX XXXX  or severe forms of XXXX  in persons. The purpose of this rule is to ensure that survivors of XXXX  are not affected by adverse credit information that may make it difficult for them to achieve financial security. '' I have been advised that If a credit bureau, creditor, or information user violates my FCRA rights, through willfulness or negligence, this can result in civil penalties and I can sue them in state or federal court for damages. This can result in fines of {$100.00} {$1000.00} per violation, actual damages, punitive damages, statutory damages, attorney fees, and court costs. I have been advised that actual damages can include emotional distress, and statutory damages don't require proof and that punitive damages are intended to punish the agency and deter future violations. 

As of today, I pulled my credit report to check for any status updates myself since Experian failed to correspond within the legal XXXX business day time frame and found that all of the requested and disputed accounts and inquiries on my credit file that I listed in my submission as resulting from XXXX has not been blocked. 

Experian has ignored my request as a consumer and a victim and has violated the FCRA through its inaction.

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