Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, Regarding CFPB complaint XXXX I am requesting help from the CFPB. 

Subject : Rebuttal to Denial of Identity Theft Block Request under FCRA 605B I am writing to formally respond to Experians recent denial of my request to block inaccurate and fraudulent information on my credit report due to identity theft. I

submitted a valid FTC Identity Theft Report, along with a government-issued ID, Social Security card , utility bill, and other supporting documentation, as required by Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ).

Despite submitting all required materials, Experian rejected my request with vague language stating that my request was made in error, involved material misrepresentation, or that I knowingly incurred the disputed charges. These claims are false, unsubstantiated, and legally insufficient. Experian provided no evidence to support these accusations.

Furthermore, I am concerned that Experian is processing my identity theft claim as a regular dispute under FCRA Section 611, rather than properly handling it under Section 605B, which requires a distinct legal process. These two sections serve different purposes, and failure to comply with the correct procedure may constitute a violation of federal law.

I have also previously submitted an FTC report identifying unauthorized inquiries, and I am enclosing that documentation as well. Additionally, I have been the victim of multiple confirmed data breaches, including the widely reported XXXX data breach and two separate breaches by XXXX XXXX. These breaches exposed my personal information and left me vulnerable to identity theft. 

As a result of this identity theft, at least two accounts are currently reporting late payment history, which is inaccurate. I am not requesting that these accounts be removed entirely only that the payment status be corrected to reflect that these late payments were not authorized by me and are the direct result of identity theft.

I have been requesting validation and proof of the debts for several months, and none has been provided. This continued failure to comply with the law and investigate appropriately suggests that Experian is intentionally stalling the resolution of this issue.

Therefore, I am requesting the following : Immediate compliance with Section 605B of the FCRA, including the blocking of the specific inaccurate information resulting from identity theft ; A full explanation of the basis for your denial, including any documentation or investigation used to reach that conclusion ; Correction of the payment status for the two accounts reporting inaccurately due to identity theft ; Written confirmation of all updates made to my credit file.

If this issue is not resolved promptly, I will pursue further action through the Federal Trade Commission ( FTC ), and legal counsel if necessary. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Photo ID Utility Bill Documentation of Data Breaches Copy of prior communication ( s )

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