Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
Timeline of Experian Noncompliance : On XX/XX/year>, I submitted a dispute identifying fraudulent accounts resulting from identity theft, along with my FTC Identity Theft Report and necessary supporting documentation. 

On XX/XX/year>, I received a letter from Experian stating that my dispute was closed without blocking the fraudulent items as required under FCRA Section 605B ( 1681c-2 ). Instead, Experian sent a generic request for additional information ( a stall letter ), which is both unlawful and an undue burden. 

On XX/XX/year>, I promptly complied with your request and provided further documentation verifying my identity, along with a Method of Verification Letter requesting specific details regarding your verification methods.

To date, Experian has failed to : Remove or block the disputed fraudulent items as required by law ; Provide me with any documentation or explanation regarding the methods used to verify these disputed accounts ; Comply with its statutory obligations under the FCRA, specifically 1681i ( Reinvestigation of Disputed Information ) and 1681c-2 ( Blocking of Information Resulting from Identity Theft ).

Legal Obligations Under the FCRA Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of any information resulting from identity theft within four ( 4 ) days of receiving proper documentation, including an FTC Identity Theft Report. Your failure to comply is a direct violation of Federal law.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with specific details regarding the reinvestigation and methods used to verify disputed information. Experians refusal to produce this information is unacceptable and further violates the FCRA.

Final Demand for Immediate Action I hereby demand that Experian take the following actions immediately : Block and remove all fraudulent accounts and items resulting from identity theft from my consumer credit report as required under 15 U.S.C. 1681c-2.

Provide me with a written explanation of the specific method of verification used to confirm the validity of the disputed accounts, including : The name, address, and contact information of all parties contacted during the verification process ; The specific procedures and methods utilized to verify the disputed information ; Copies of any documents, correspondences, or communications relied upon in the verification process.

Failure to Comply and Legal Recourse Should you fail to comply with this demand within fifteen ( 15 ) days of receipt of this letter, I will have no choice but to pursue all available legal remedies. This includes filing a formal complaint with the Federal Trade Commission ( FTC ), and pursuing civil action against Experian for noncompliance under the FCRA. Be advised that violations of the FCRA are subject to statutory damages, punitive damages, and attorneys fees. 

This letter serves as your final notice. I expect immediate and full compliance with your legal obligations under the FCRA.

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 non-monetary relief