Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing a formal complaint against Experian for their egregious violations of the Fair Credit Reporting Act ( FCRA ) regarding my credit report # XXXX. Despite providing comprehensive evidence of identity theft, including FTC Identity Theft Report ( # XXXX ) and Police Report ( # XXXX ), Experian continues to dismiss my legitimate disputes with automated responses that demonstrate a clear failure to conduct proper investigations as required by law. 

Experian 's response to my disputes has been particularly troubling. They repeatedly send automated emails claiming that my " request to block was made in error '' or was " based on a material misrepresentation, '' or suggesting that I " knowingly obtained or should have known that you obtained possession of goods, services, or moneys. '' These dismissive responses directly contradict the substantial evidence I have provided and appear to be form letters sent without any meaningful investigation of my claims. 
The facts clearly demonstrate Experian 's failure to comply with FCRA requirements : I have submitted official documentation proving identity theft, including : FTC Identity Theft Report # XXXX Police Report # XXXX from XXXX XXXX Police Department Clear evidence that the addresses used are not and have never been mine Documentation showing the accounts were opened without my knowledge Addresses that I was not living when the accounts were allegedly open Experian 's automated responses fail to : Acknowledge the submitted police and FTC reports Explain why they rejected valid identity theft documentation Provide any specific reasons for continuing to report fraudulent accounts Demonstrate that a reasonable investigation was conducted Follow FCRA 's requirement to block fraudulent information within 4 business days Their suggestion that I " knowingly obtained '' these goods or services is particularly concerning as it : Ignores official law enforcement documentation Makes unfounded accusations without investigation Demonstrates a failure to review the evidence provided Shows a systematic disregard for consumer protection laws This pattern of behavior suggests Experian is violating FCRA Section 611 's requirement for reasonable investigation and Section 605B 's mandate to block fraudulent information. Their automated dismissal of valid identity theft claims appears to be a systematic practice that requires immediate CFPB intervention. 

Experian 's continued non-compliance has resulted in severe and far-reaching consequences to my financial well-being. My credit score has plummeted XXXX points, directly leading to loan and credit denials, substantially higher insurance premiums, and lost employment opportunities. I have spent countless hours and resources attempting to resolve this situation, causing significant emotional distress and financial hardship. This negligence clearly violates multiple sections of the Fair Credit Reporting Act, specifically Section 605B 's mandatory blocking requirements and Section 611 's investigation protocols. Furthermore, Experian 's actions directly contradict established FTC requirements for handling identity theft reports. Their behavior mirrors previous violations that have resulted in CFPB enforcement actions, demonstrating a pattern of disregard for consumer protection laws. The ongoing nature of these violations, despite clear documentation and multiple attempts to resolve the situation, suggests willful non-compliance with federal regulations designed to protect consumers from precisely this type of harm. 

Specific Violations : 1. Failure to block nine fraudulent accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 2. Continued reporting of six unauthorized addresses in Maryland ( XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) and two fraudulent phone numbers. 

Impact of Experian 's Non-Compliance : - Multiple unauthorized credit accounts affecting my credit score - Fraudulent charge-offs appearing on my report - Risk of further identity theft due to continued reporting of false information - Significant time and resources spent on repeated disputes - Personal and professional hardship from compromised credit profile Legal Basis : - FCRA Section 605B requires blocking of fraudulent information within 4 business days - FCRA Section 611 ( a ) ( 1 ) requiring reasonable reinvestigation - FCRA Section 615 ( f ) prohibiting reinsertion of deleted information - Internal Revenue Code 6050P regarding Form 1099-C requirements- Gramm-Leach-Bliley Act Section 501 protecting against unauthorized access Demanded Resolution : 1. Immediate removal of all nine fraudulent accounts 2. Deletion of six unauthorized addresses and two phone numbers 3. Removal of all associated inquiries and charge-offs 4. Written confirmation of actions taken 5. Distribution of corrected reports to all inquiring parties from the last six months Supporting Documentation ( Attached ) : - FTC Identity Theft Report # XXXX - XXXX XXXX Police Report # XXXX - Previous dispute correspondence - Credit Report # XXXX I request an expedited review of this complaint given the ongoing harm and clear violation of federal law. Experian 's actions demonstrate a systemic failure to protect consumers and comply with FCRA requirements.

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Sincerely, XXXX 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