Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SSN : XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Reporting Fraudulent Information and Violating State and Federal Laws Dear CFPB, I am writing to formally file a complaint against Experian for failing to comply with federal and California state laws by reporting fraudulent and inaccurate information on my credit report. Despite providing sufficient documentation, including an FTC Identity Theft Report, a signed police report, and an FTC affidavit, Experian has refused to investigate or remove the erroneous data, specifically regarding an account with XXXX XXXX XXXX. 

Details of the Issue Fraudulent Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$320.00} ( Updated XX/XX/XXXX ) Credit Limit : {$2500.00} Credit Usage : 12 % Account Status : Closed, charged off, and marked as delinquent for six months. 
Date Opened : XX/XX/XXXX Account Type : Charge Card Documentation Provided : A valid, signed police report. 
A completed and signed FTC Identity Theft Affidavit. 
Supporting evidence of the fraudulent nature of the account. 
Experians Response : Despite multiple notifications and submission of the aforementioned documents, Experian has continued to report the fraudulent account, violating my rights under federal and California laws. 

Violations Federal Violations XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Blocking of Information ) : Experian is required to block fraudulent information within four business days upon receiving proper documentation. Despite receiving the police report and FTC affidavit, Experian has failed to do so. 
15 U.S.C. 1681i ( Reinvestigation ) : Experian must conduct a reasonable reinvestigation upon notification of disputed information. The lack of proper action constitutes noncompliance. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Reporting inaccurate information to credit bureaus violates the FDCPA under deceptive and unfair practices. 

California State Violations XXXX. California Consumer Credit Reporting Agencies Act ( CCRAA ) - Civil Code 1785.16 Experian is required to promptly and thoroughly investigate disputes, which they failed to do. 
They are also required to delete inaccurate or unverifiable information within 30 days. 
XXXX. California Identity Theft Law - Penal Code 530.8 Experian is obligated to correct fraudulent account information after receiving a valid police report, which I provided. 
XXXX. Unfair Competition Law - Business and Professions Code XXXX Experians actions constitute unfair business practices by failing to comply with state and federal laws protecting consumers from identity theft and fraudulent reporting. 

Request for Resolution XXXX. Immediate Removal : I demand the immediate removal of the fraudulent account from my Experian credit report. 
XXXX. Compliance Enforcement : I request CFPBs assistance in ensuring Experian adheres to its legal obligations under federal and state law. 
XXXX. Penalties : I request that Experian be held accountable for its failure to comply with consumer protection laws. 
XXXX. Compensation : I seek damages for the harm caused by Experians negligence, including the negative impact on my creditworthiness. 

Attached Documentation XXXX. FTC Identity Theft Report XXXX. Police Report XXXX. Correspondence with Experian and XXXX XXXX XXXX XXXX. Detailed Account Information Regarding KIKOFF Lending LLC Thank you for your attention to this matter. I trust the CFPB will ensure Experian complies with the law and resolves this issue promptly. Please feel free to contact me for any additional information. 

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