Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Demand to Block and Delete Fraudulent Accounts and Collections Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) .This correspondence serves as both a formal request under the Fair Credit Reporting Act ( FCRA ) 605B and an official response to the results provided by Experian regarding my CFPB complaint filed on XX/XX/XXXX. I am submitting this complaint and request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requiring that you, the credit reporting agencies Experian, block all information appearing on my consumer credit file that is the result of identity theft and fraud within XXXX ( XXXX ) business days of receiving this notice and the supporting documentation enclosed. These fraudulent accounts and collections were not opened, authorized, or initiated by me. They are the direct result of identity theft and have caused severe damage to my consumer XXXX credit profile. 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 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 XXXXXX/XX/XXXX. These accounts have resulted in several negative late payment histories, hard inquiries, collections, and other false data that are damaging, inaccurate, and fraudulent. Under FCRA 605B ( a ), a consumer reporting agency that receives an identity theft report is required to block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX ( XXXX ) business days of receiving the request. 
Notice of Reinvestigation Result ( Experian Response ). On XX/XX/XXXX, I filed a CFPB complaint concerning these fraudulent accounts. In response, Experian stated the following : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported While I acknowledge receipt of this response, it is noncompliant with the FCRA 605B identity theft block procedure. The FCRA clearly distinguishes between : A reinvestigation under 611, and A fraud block under 605B. Because I have submitted a valid FTC Identity Theft Report and the required identity documentation, the proper legal procedure is blocking, not merely reinvestigating or contacting furnishers through XXXX or other automated systems. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), you must maintain reasonable procedures to assure maximum possible accuracy of the information on file. I hereby do not consent to the use of automated dispute systems such as XXXX, XXXX, or outsourced agencies like XXXX, XXXX, or XXXX XXXX. These methods do not meet the statutory standard for a reasonable investigation or proper identity theft verification. Only original documentation bearing my signature or other authenticated evidence can constitute verification under federal law. If you do not possess such proof, the accounts must be deleted as unverifiable immediately.

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