Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXDOB XXXX XXXX XXXXSSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis complaint is directed to Experian via the CFPB. I am requesting a fraud block under FCRA section 605B, 15 U.S.C. 1681c-2. You must block the identity theft information from my Experian  consumer report within 4 business days of receiving this complaint and the required documentation.\nThe fraudulent information is a personal credit card reported from XXXX XXXX and XXXX XXXX XXXX opened on XXXX XXXX XXXX in the amount of XXXX. Fraudulent hard inquiries include XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX XXXX, and XXXX XXXX on XXXX XXXX XXXX. These items have also led to related fraudulent collections and additional hard inquiries appearing on my FICO credit report. I did not open, authorize, or initiate any of these accounts, collections, or inquiries.\nI have provided the identity theft report and supporting documentation required by law, including an FTC Identity Theft Report, along with proof of my identity and a clear identification of the items to be blocked.\nExperian previously denied my 605B block without providing a specific reason. Instead of processing my request as a 605B block, Experian treated it as a regular dispute, which is improper and illegal. A 605B block request is not a dispute under section 611 and cannot be refused simply because a dispute was opened or because Experian chose to create one. I am again demanding a 605B block.\nUnder 15 U.S.C. 1681c-2, upon receipt of my identity theft report and identification of the information, Experian must block the reporting of the identity theft information within 4 business days and notify the furnisher. If Experian believes a narrow exception applies under subsection c, you must provide me a prompt written explanation identifying the specific exception and the factual basis. A non specific denial is not compliant.\nDemanded relief\nBlock within 4 business days all information resulting from identity theft as identified above, including the XXXX XXXX XXXX account opened XXXX XXXX XXXX  in the amount of XXXX, the XXXX XXXX inquiry dated XXXX XXXX XXXX, the XXXX XXXX  inquiries dated XXXX XXXX XXXX  and 1XXXX XXXX XXXX, and any related collections and derivative inquiries tied to this identity theft incident.\nCease reporting the blocked information to any third parties and send me written confirmation that the block has been applied.\nProvide me an updated copy of my Experian consumer report showing the block.\nDo not refuse or delay processing by asserting that these items are already the subject of a dispute. This is a 605B block request.\nIf you refuse any part of this request, provide a specific written reason tied to 15 U.S.C. 1681c-2 c and include the documents relied upon.\nI certify under penalty of perjury that the above items are the result of identity theft and fraud. I request all communications in writing.\nAttachments provided FTC Identity Theft Report, government issued ID, proof of address, and documentation identifying the fraudulent items.'

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