Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Experians Refusal to Block Fraudulent Information Despite Providing Valid Identity Theft Documentation Dear CFPB Representative, I am filing a new complaint against Experian due to their continued refusal to comply with FCRA XXXX and their failure to remove fraudulent accounts and inquiries from my credit report, despite receiving legally valid documentation proving I am a victim of identity theft. 
XXXX XXXX with Experians Conduct : 1. Refusal to Block Fraudulent Accounts and Inquiries ( FCRA 605B Violation ) * Experian has denied my FTC Identity Theft Report and police report without valid reason.

* They continue to report fraudulent accounts and inquiries on my credit report in direct violation of FCRA 605B.

2. Failure to Provide Proof of Verification for Disputed Accounts ( FCRA 611 ( a ) ( 7 ) ) * Experian claims that certain disputed accounts were " verified '' by the data furnishers, but they have not provided documentation proving this verification.

* Under FCRA 611 ( a ) ( 7 ), I am entitled to request Experians " method of verification. '' * If they can not produce this documentation, the accounts must be deleted immediately.

3. Unlawful Reinsertion of Previously Deleted Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) * Some fraudulent accounts that were previously removed have been reinserted without proper notification.

* This reinsertion violates FCRA 611 ( a ) ( 5 ) ( B ), which mandates that credit bureaus must : * Provide a written notice within 5 business days informing me of the reinsertion.

* Ensure that the furnisher has certified the accuracy of the information.

* Experian failed to follow these legal requirements.

4. Failure to Remove Unauthorized Inquiries ( FCRA 1681b Violation ) * Multiple unauthorized hard inquiries remain on my credit report despite providing proof that I did not authorize them.

Actions Requested from CFPB : 1. Order Experian to Immediately Block Fraudulent Accounts and Inquiries * Experian is required under FCRA 605B to remove fraudulent information upon receipt of a valid identity theft report.

2. Require Experian to Provide Proof of Verification for Disputed Accounts * If Experian can not provide verification, the disputed accounts must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

3. Hold Experian Accountable for Illegal Reinsertion of Deleted Accounts * Experian must be investigated for violating FCRA 611 ( a ) ( 5 ) ( B ) by unlawfully reinserting fraudulent accounts.

4. Impose Monetary Penalties for Experians Repeated FCRA Violations * Due to Experians failure to comply with federal law, I am requesting {$20000.00} in damages for financial harm and emotional distress.

5. Monitor Experian for Future Violations * Experian has repeatedly failed to follow consumer protection laws, and stricter oversight is necessary to prevent ongoing FCRA violations.

I request that the CFPB take immediate enforcement action against Experian and hold them accountable for their continued violations. 
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