Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against [ Credit Bureau Name ] for its failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted both a police report and an FTC Identity Theft Report ( FTC Report Number : XXXX ) as supporting evidence. While the credit bureau acknowledged receipt of my dispute, it has failed to comply with the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). 

Despite my formal request to block the fraudulent item, the following account continues to appear on my credit report : XXXX  XXXX Date Opened : XX/XX/year> Legal Basis 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the procedures used in their investigation within 15 days of receiving a consumer dispute. To date, I have not received this documentation.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : Federal law mandates that any account reported must be verified through physical inspection of the original signed consumer contract. Without such verification, inaccurate or fraudulent information may remain in my file. I am formally requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit file. If any information can not be verified, it must be deleted pursuant to 1681i ( a ) ( 5 ).

Failure to Investigate Properly 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete or timely investigation within the 30-day timeframe required by law. The results failed to address and resolve my concerns adequately.

15 U.S.C. 1681c-2 : Credit reporting agencies are required to block identity theft-related information within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be promptly removed from my report.

15 U.S.C. 1681e ( b ) : The bureau has failed to demonstrate that reasonable procedures were followed to ensure the accuracy and completeness of the information in my credit file. I am requesting a detailed explanation of the methods used. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take immediate action to ensure the fraudulent account is permanently deleted from my credit report. 

I expect a timely and appropriate resolution. Please also provide any relevant guidance regarding my rights as a consumer under federal law. 

Thank you for your attention to this urgent matter.

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