Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I, XXXX XXXX, am writing to formally dispute fraudulent information on my credit report, as I am a victim of identity theft. In XX/XX/XXXX, an account was allegedly opened in my name without my authorization. I have not benefited from this account, and it is the result of unauthorized activity. I have filed a police report with the XXXX XXXX XXXX Police Department ( Report # XXXX ) and an FTC Identity Theft Report ( File # XXXX ) to substantiate this claim. 

Per the Fair and Accurate Credit Transactions Act ( FACT Act ) and Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate blocking and removal of all inaccurate and fraudulent information from my credit report. In accordance with Section 605B of the FCRA, credit reporting agencies are required to block fraudulent data within XXXX business days of receiving a valid police report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am concerned that some accounts may involve fraudulent activities linked to identity theft. As per the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, identity theft is a federal crime, and I am entitled to a framework for recovery. 

Recent legal actions underscore the importance of accurate credit reporting and the obligation of credit reporting agencies to conduct thorough investigations. Notably, in XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes, alleging that Experian conducted inadequate investigations into consumer complaints and reinserted deleted false information into credit files, thereby harming consumers ' finances. Furthermore, in the case of XXXX XXXX. Experian Information Solutions XXXX XXXX ( XXXX ), the plaintiff suffered damage due to Experian 's inaccurate and incomplete reporting, leading to harm to reputation and emotional distress. These cases highlight the necessity for credit reporting agencies to adhere strictly to the FCRA 's requirements and to ensure the accuracy of the information they report. 

I request the following actions : Thorough Reinvestigation : Conduct a detailed reinvestigation of all disputed items listed in this letter.

Verification Documentation : Provide all documentation used to verify the accuracy of the disputed information.

Prompt Deletion : Delete any information found to be inaccurate, incomplete, or unverifiable, as required under 15 U.S.C. 1681i ( a ) ( 5 ).

Please be aware that failure to comply with these obligations may result in legal action enforcing my rights under the FCRA and other applicable laws. 

I appreciate your prompt attention to this matter and expect a response confirming the actions taken within the timeframe prescribed by law. 

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