Consumer complaint received 2025-01-07 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: MA

Complaint narrative:
Subject : Formal Request for Immediate Resolution of Identity Theft-Related Discrepancies Pursuant to the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, Please review the attached file, which includes a chain of messages documenting my contact and communication with a XXXX  XXXX XXXX. 

This letter serves as a formal request for the immediate correction of fraudulent items on my consumer credit report, which were placed there as a direct result of identity theft. The continued presence of these items has caused significant financial harm and emotional distress, constituting a violation of my rights under federal law. 

Listen, because I am the person who has been hurt financially because of the XXXX of the filthy, disgusting items that, throughout the years because of corruption and identity theft have been placed on my consumer credit report, that has caused me hundreds of thousands of dollars, if not millions of dollars, through the years, in losses of all kinds of business opportunities a lot of stress, and irreparable damages. 

This injustice can not wait any longer. Every moment these fraudulent items remain unresolved adds to the financial and emotional toll I have endured for years. The constant stress and sleepless nights, knowing my efforts to build a stable future are undermined by false claims, have been overwhelming. These practices have taken opportunities from me and my familyopportunities to grow, invest, and live without fear of financial rejection. 

To shed light on this matter, I am sharing an attached file containing chain of messages that highlights my recent contact and communication with XXXX XXXX XXXX, a XXXX  XXXX at XXXX, and her team. Their responses, outlined in the attached correspondence, reflect acknowledgment of the situation and a sincere effort to address it. However, despite their involvement, the matter remains unresolved, and the impact on my life continues. For privacy reasons, I have modified XXXX XXXX personal information, but the content of her replies remains intact for your review. 

I demand immediate and decisive action to address these fraudulent items, specifically those identified as a result of identity theft. The following provisions under the Fair Credit Reporting Act ( FCRA ) support my demands : Blocking of Fraudulent Information : Under 15 U.S.C. 1681c-2, credit reporting agencies must block information that resulted from identity theft upon receipt of documentation such as a police report or FTC Identity Theft Report. This block must be implemented within four business days of submission.

Retention Limits for Negative Information : The FCRA restricts the retention of negative information, such as late payments and accounts in collections, to seven years ( ten years for bankruptcies ). Fraudulent items must be removed permanently once identified as resulting from identity theft.

Prohibition Against Continued Reporting of Fraudulent Items : Once information is identified as fraudulent due to identity theft, it can not legally remain on or reappear in my credit report. 
Heres what needs to happen immediately : Review the attached correspondence to fully understand the identity theft issue and the fraudulent accounts linked to it.

Block all fraudulent information on my credit report as required by the FCRA, ensuring it no longer affects my financial standing.

Remove all fraudulent items immediately and ensure they are permanently eliminated from all records in compliance with the FCRA.

Provide written confirmation once these corrective actions have been taken, guaranteeing my credit report reflects only accurate and verified information.

These fraudulent items, stemming from identity theft, are a clear violation of my rights, and their continued presence is both unlawful and unjustifiable. This situation demands immediate resolution. Please confirm receipt of this message and provide updates on the corrective measures you have implemented by the end of today.

Legal Basis for This Request : Blocking of Fraudulent Information Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block information appearing on a consumers credit report that is a result of identity theft. Upon receipt of proper documentation, such as an FTC Identity Theft Report or a police report, along with proof of the consumers identity, the agency must block the disputed information within four ( 4 ) business days.

Prohibition of Continued Reporting Once information is identified as fraudulent under 15 U.S.C. 1681i, it can not legally remain on, or reappear in, the consumers credit report. The failure to remove such information perpetuates financial harm and contravenes federal law.

Retention Limitations Pursuant to 15 U.S.C. 1681c ( a ), adverse information may not be reported beyond seven ( 7 ) years in most cases ( ten years for bankruptcies ). Fraudulent accounts resulting from identity theft must be permanently removed upon verification of their fraudulent nature.

Formal Resolution Request : I am invoking my rights under the FCRA to demand the following corrective actions without delay : Immediate Blocking of Fraudulent Items : Block all disputed information identified as fraudulent and resulting from identity theft as mandated under 15 U.S.C. 1681c-2.

Permanent Removal of Fraudulent Items : Ensure all fraudulent accounts are permanently deleted from my credit file in compliance with 15 U.S.C. 1681c ( a ) and 15 U.S.C. 1681i. Confirm that no such items will reappear in the future.

Written Confirmation of Corrective Actions : Provide written confirmation of the actions taken, including a detailed list of the fraudulent items that were blocked and removed, along with assurance that my credit report now reflects only accurate and verified information.

Adherence to Timely Resolution : As prescribed by the FCRA, these actions must be completed within the legally mandated timeframe to avoid further violations of my rights. Specifically : Blocking of information must occur within four ( 4 ) business days of receiving proper documentation.

Investigations must be completed within 30 days under 15 U.S.C. 1681i ( a ) ( 1 ).

Supporting Documentation : I have attached the following documents to facilitate the resolution of this matter : A copy of my FTC Identity Theft Report.

A copy of the police report filed in connection with the identity theft.

Proof of my identity, including a government-issued ID.

Failure to comply with the aforementioned legal requirements constitutes willful and/or negligent non-compliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 15 U.S.C. 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.

I request confirmation of receipt of this letter and expect full compliance with my resolution request within the legally mandated timeframes. Should you require additional information, please contact me immediately.

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief