Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Failure of Experian to Comply with FCRA Identity Theft Provisions Dispute Ignored Despite Receipt Confirmed on XX/XX/2025 : I am submitting this complaint regarding Experians failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state legislation concerning identity theft protections. 

On XX/XX/2025, I mailed a dispute package to Experian via U.S. Postal Service priority mail containing all documentation required under federal law for victims of identity theft to dispute a fraudulent account being reported on my credit file. This package included : A copy of my government-issued photo ID A FTC identity theft report An identity theft police report from XXXX Police Department A detailed identity theft dispute letter requesting to block fraudulent accounts and inquiries outlined in the dispute letter An attached list of the fraudulent inquiries listed on my credit file This package was delivered and confirmed via USPS tracking XXXX XX/XX/2025. Despite receipt confirmation, Experian has failed to initiate the dispute process for the fraudulent information being reported on my credit file or processed the required and requested block of the fraudulent information, in direct violation of the FCRA and consumer protection laws. 

Violations of Federal Law Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c2 ( a ) ( 1 ) " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' Further, the FCRA requires that : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) " If the completeness or accuracy of any item of information contained in a consumers file... is disputed ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... within 30 days of the date on which the agency receives the notice of the dispute. '' Experian has not complied with either of these obligations. It failed to block the information within four business days or conduct a reinvestigation within the 30-day time period, despite the fact that all required documents were provided as defined in the FCRA and by FTC guidelines . 

State Law Protections ( California Example Please modify based on your state ) Under California Civil Code 1798.93 ( c ) ( 1 ) : " A consumer may request that a consumer credit reporting agency block the reporting of any information that the consumer identifies as resulting from identity theft, supported by a police report and proper identification. '' Experian is further required to notify the furnisher of the information and cease reporting such data unless they obtain proof that the information is accurate which, in this case, was not demonstrated. 

Summary of Experians Failures : Ignored a valid identity theft dispute received on XX/XX/2025 Did not initiate the reinvestigation process under 15 U.S.C. 1681i Failed to block fraudulent information under 15 U.S.C. 1681c2 Acted in violation of both federal and state consumer protection laws Neglected to provide any response or written notification regarding my submission or verification of the initiation of the dispute process.

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