Consumer complaint received 2024-07-31 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: SC

Complaint narrative:
I am writing to address the recent response I received regarding my identity theft dispute. Despite your initial acknowledgment of my FTC identity theft affidavit and subsequent submission of supporting screenshots from the FTC website, you have now stated that my request was either made in error, based on material misrepresentation, or that I knowingly obtained goods or services resulting from the disputed transactions. This is incorrect, and I must insist on the immediate removal of the fraudulent information from my credit report. 

Consumer Rights Under Federal Law As a victim of identity theft, I am entitled to certain protections under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. Specifically, under 15 U.S. Code 1681c-2, credit reporting agencies are required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft, provided the consumer submits : 1. A copy of an identity theft report.

2. Proper identification.

3. A statement that the information is not related to any transaction made by the consumer.

I have complied with all of these requirements. Therefore, Experian is legally obligated to block the disputed information within four business days of receiving this documentation. Failure to do so violates my rights under the FCRA.

Request for Detailed Verification You have asserted that my request was made in error or that I knowingly obtained goods or services. I request detailed information regarding this assertion, including : - The specific reasons for determining that my request was made in error or based on material misrepresentation. 
- The evidence you have that suggests I knowingly obtained goods or services as a result of the disputed transactions. 
- The dates, times, and names of the individuals who verified these claims on my behalf. 
- The sources of this information and the methods used for verification. 


Demand for Immediate Action I demand that Experian immediately : 1. Remove the disputed information from my credit report.

2. Send me an updated copy of my credit report reflecting these changes.

3. Provide a detailed explanation of the evidence and verification process used to arrive at your decision. 

Failure to comply with these demands will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and other relevant regulatory agencies. Additionally, I am prepared to seek legal recourse for the maximum allowable damages per account as stipulated by consumer protection laws due to the adverse impact this fraudulent information has had on my creditworthiness. 

Conclusion As a consumer and victim of identity theft, I deserve fair treatment and the protection of my rights under federal law. Experian 's refusal to remove the fraudulent information is unacceptable and must be rectified immediately. Any verification of the disputed accounts should be considered null and void if my correct information was used fraudulently to open these accounts. Any further investigation will be pursued between myself and the furnisher of the information, potentially leading to litigation. 

Please address this matter urgently and ensure compliance with all applicable consumer protection laws. I expect a prompt resolution and a formal response from Experian regarding the steps being taken to correct this situation.

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