Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint XXXX continued NOTED FOR OFFICIAL EVIDENCE Re : XXXX Closed Failure to Block Identity Theft Information as Required Under FCRA 605B To Whom It May Concern, This letter is in response to your statement dated XXXX2025 regarding my identity theft complaint submitted through the CFPB on XX/XX/scrub> 2025. Your response indicates that Experian conducted a reinvestigation under the Fair Credit Reporting Act ( FCRA ) and relied upon the furnishers verification to maintain the disputed items. This approach is a violation of your legal responsibilities under FCRA 605B, which governs identity theft block procedures not 611, which applies to ordinary consumer disputes.

My Request Was Made Under FCRA 605B Identity Theft Block On XX/XX/scrub> 2025 I submitted a formal request under FCRA 605B to Experian, which included : A written request for blocking fraudulent information A copy of my government-issued ID Proof of current address A police report and/or FTC Identity Theft Affidavit A detailed list of the fraudulent accounts and items Sworn affidavit by witnesses and hospital records What Experian Was Required to Do Under FCRA 605B, once Experian received my identity theft documentation, you were legally obligated to : Block the fraudulent information from my credit report within four business days Prevent that information from being reported to any third party Notify me of the actions taken and maintain the block unless certain exceptions apply Instead, you initiated a reinvestigation under 611 and deferred to the furnishers verification, which is not permissible under 605B once valid identity theft documentation has been provided.

This Is a Violation of Federal Law Your response improperly disregards the governing statute. Once you received my complete identity theft packet, you were required to block the fraudulent accounts not submit them to the furnisher for validation.

By failing to act, Experian has violated FCRA 605B. This continued reporting of fraudulent information is causing harm and constitutes a willful and negligent breach of my consumer rights.

What I Am Demanding I hereby demand the following : Immediate and permanent blocking of all disputed identity theft accounts in accordance with FCRA 605B Written confirmation of the blocked items and an updated credit report That you cease communication with the furnishers regarding these blocked items A complete record of your handling of this request, including any communication with furnishers If I do not receive compliance within 15 calendar days, I will proceed with : An escalated complaint to higher authorities to seek financial remedy Notification to the State Attorney General Pursuit of civil legal remedies under FCRA 616 and 617 for actual and punitive damages Sincerely, XXXX XXXX XXXX XXXX Enclosures : Police Report / FTC Affidavit Government-issued ID Proof of Address Original Identity Theft Block Request

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