Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
This is the XXXX and final attempt to allow the CRAs to comply with the law before litigation for several violations I am a victim of identity theft. I provided TransUnion with : FTC Identity Theft Report/theft affidavit Proof of identity Written request to block fraudulent accounts and inquiries Despite receiving all required documentation, the XXXX : XXXX. Refused to block fraudulent accounts and inquiries XXXX. Contacted the creditor to verify the debt, instead of blocking XXXX. Sent me a letter stating : We were unable to block the information and we investigated by contacting the creditors to verify the accuracy. 
Or asking for the very documents I sent to block the information. 
They rubber stamped my dispute and relied on XXXX. They didnt actually follow law and block anything nor did they give specific reasons to not besides it was verified which is an admission of guilt that they didnt follow the law with identity theft disputes and treated it as a normal dispute. 

This is directly prohibited by FCRA XXXX. 

Why This Violates the XXXX XXXX federal law : XXXX CRA must block identity-theft-related information within XXXX business days once proper documents are submitted. 
A CRA XXXX not delay the block request to investigate or contact a furnisher unless they have proof the request itself is fraudulent. 
A furnishers response can not override my identity theft report. 

The CRAs has no evidence my identity theft report is false and never claimed such evidence exists. 

Their actions are a willful violation of the FCRA. 

Harm Suffered TransUnions illegal refusal to block the account has caused : Ongoing reporting of fraudulent accounts Damage to my credit profile Emotional distress and unnecessary burden Continued fraud exposure Delays in resolving identity theft Requested Resolution I request that the CFPB require the CRAs to : Immediately block all fraudulent information previously reported Remove all unauthorized inquiries tied to the identity theft Provide written confirmation of compliance Cease contacting furnishers regarding identity theft block requests unless they have documented proof of fraud in the ID theft report Update my credit file to reflect identity theft protections If they feel like the block isnt warranted I demand the METHOD OF VERIFICATION and what they actually received from the furnisher outside of a verbal confirmation which by law isnt sufficient.. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - The CRA must review information provided by the consumer and can not delegate its duty to the furnicher. 

XXXX XXXX Trans Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - A CRA can not merely rely on a furnisher 's verification ; it must " bear some responsibility for evaluating the accuracy of information itself. '' XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - CRA violated {$1600.00} by accepting the furnisher 's response without reviewing consumer-supplied evidence. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reliance on the furnisher 's verification '' is not reasonable. 

I also request CFPB oversight to ensure the CRAs complies with 605B protections going forward.

I will be forced to litigate in federal court after this attempt to resolve this.

I have submitted a sworn identity theft affidavit which law says is sufficient but especially with the govt shutdown and no access to the ftc theft report filing process. Once the government is open I will file the preferred ftc theft report and send it

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