Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
Subject : Complaint Against XXXX, Experian, and XXXX for Violations of FCRA and Mishandling of Identity Theft Claims To : Consumer Financial Protection Bureau Summary of Complaint : This complaint addresses the repeated failures by XXXX, Experian, and XXXX to comply with theFair Credit Reporting Act ( FCRA ) and other applicable laws in their handling of my identity theft claims. Despite submitting the required documents, including aPolice Report, FTC Identity Theft Report, Utility Bill, Drivers License, andSocial Security Card, these agencies have : XXXX. Refused to Accept Valid Documentation : Rejected legitimate documentation without justification or explanation. 
XXXX. Failed to Block Fraudulent Information : Did not block or remove information stemming from identity theft, including : * Negative accounts * Unauthorized inquiries * Inaccurate phone numbers XXXX. Did Not Follow Up or Remove Disputed Items : Failed to properly investigate and remove disputed items as required by law. 
XXXX. Engaged in Deceptive Practices : Obstructed the dispute process by rejecting valid documentation and refusing to provide clear explanations. 
Applicable U.S. Laws and Codes XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block information resulting from identity theft upon receipt of : * Valid proof of identity * FTC Identity Theft Report * Police Report XXXX. FCRA 611 ( 15 U.S.C. 1681i ) : Mandates a reasonable reinvestigation of disputed information and correction or deletion of unverifiable information. 
XXXX. FCRA 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of reported information. 
XXXX. FCRA 604 ( c ) ( 15 U.S.C. 1681b ) : Prohibits credit reporting agencies from using or sharing consumer information without permissible purpose. 
XXXX. 15 U.S.C. 1692d-f ( FDCPA ) : Prohibits unfair or deceptive practices related to the collection and reporting of debt. 
Harm Caused : * Financial Harm : Denial of credit opportunities due to inaccurate information. 
* Emotional Distress : Prolonged stress caused by the agencies failure to resolve disputes. 
* Loss of Time and Resources : Repeatedly submitting documents only to have them ignored or improperly handled.

Resolution Sought : XXXX. Immediate Acceptance of Documentation : Accept the submitted Police Report, FTC Identity Theft Report, Utility Bill, Drivers License, and Social Security Card as valid documentation. 
XXXX. Immediate Blocking and Removal of Fraudulent Items : * Fraudulent accounts such as XXXX XXXX and XXXX XXXX. 
* Unauthorized inquiries. 
* Inaccurate phone numbers. 
XXXX. Full Compliance with FCRA and FDCPA : Conduct proper investigations and ensure maximum accuracy in my credit reports. 
XXXX. Monetary Compensation : I request compensation of XXXX XXXXfor the financial and emotional harm caused by the agencies non-compliance and obstructive behavior. 
XXXX. Detailed Written Explanation : Provide clear, written explanations of why my documentation was rejected and the internal processes used to make such determinations. 
Supporting Documents : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Highlighted Credit Reports Showing Disputed Items * Prior Correspondence with XXXX, Experian, and XXXX Conclusion I respectfully request that the CFPB investigate these practices and take appropriate action to ensure that XXXX, Experian, and XXXX comply with federal laws governing credit reporting and identity theft. The current situation has caused significant harm to my financial standing and emotional well-being. 
Thank you for your attention to this matter. I look forward to your assistance in achieving a fair resolution.

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