Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Blocking Information Resulting from Identity Theft - FCRA 605B Dear Sir/Madam, I am writing to formally request the blocking of certain information from my credit report under the provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ) due to suspected identity theft. As per the Fair Credit Reporting Act, I am entitled to request the removal of fraudulent information within 4 business days after providing the necessary documentation. Below is the information required for the blocking request : ( a ) Blocking Information As part of my request, I have enclosed the following required documentation : Proof of my identity ( such as a copy of my government-issued ID ). 
A copy of the identity theft report filed with the relevant authorities. 
Identification of the information I believe is fraudulent, along with the details of the specific transactions in question. 
A statement confirming that the disputed information is not related to any transactions I have authorized. 
( b ) Notification to Furnishers Once the block is processed, I understand that the consumer reporting agency will notify the furnisher of the information that : The information may be the result of identity theft.

An identity theft report has been filed.

A block has been requested.

The effective dates of the block.

( c ) Declining or Rescinding a Block In accordance with the law, I am aware that a consumer reporting agency may decline or reverse the block if : The information was blocked by mistake or the request was submitted in error. 
A false statement was made in the request. 
The consumer benefited from the fraudulent transaction ( e.g., received goods, services, or money as a result of identity theft ). 
If the block is declined or rescinded, I expect to be promptly notified as outlined under Section 1681i ( a ) ( 5 ) ( B ), similar to notifications regarding the reinsertion of information in my file. 
( d ) Exceptions for Resellers If applicable, I acknowledge that a reseller of consumer report data is not required to block information if they do not currently furnish or resell the disputed information. In such cases, the reseller must notify me with details of the information source. 
( e ) Exceptions for Check Services Companies I understand that check services companies are exempt from these provisions. However, they are required to refrain from reporting identity theft-related information within 4 business days of receiving the necessary documents.

( f ) Access by Law Enforcement I also understand that this request does not prevent law enforcement from accessing blocked information as required by law. 
Please let me know if you need any additional information or documents to proceed with this request. I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX Date of Birth : XXXX Social Security Number : 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