Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.

I am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately.

I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.

Kindly thoroughly investigate these matters and promptly address the disputed items. 

XXXX. Identity Theft XXXX XXXX XXXX Acct XXXX XXXX : {$9800.00} As a consumer by law, this account must be deleted immediately. 

This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. 

I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. 

Please remove the entry from my credit report promptly to avoid any potential legal consequences. 

I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly comply with this request promptly.

Please note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. 

XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

( d ) Exception for resellers.

( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.

( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.

( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.

( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

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