Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Experian, one of the major credit reporting agencies, for their failure to properly handle my dispute regarding identity theft and XXXX XXXX  Despite my repeated requests, I am still seeing inaccurate and fraudulent accounts on my credit report, and Experian is not taking the necessary steps to remove them, as required by law. 

I reported to Experian on XX/XX/year> that I am a victim of both identity theft and XXXX XXXX. In accordance with 15 U.S.C. 1681c-2, which mandates that credit reporting agencies block information resulting from identity theft, I submitted all necessary documentation to prove my claim. Under the FCRA, specifically 15 U.S.C. 1681c-2, Experian is legally obligated to block fraudulent information from my credit report within four business days of receiving a valid identity theft report. 

However, despite my compliance with all requirements, Experian has failed to remove the negative information from my credit report and instead has issued an inadequate and dismissive response. Specifically, they have indicated that they are declining my request to block certain items, without conducting an appropriate investigation, and without providing any reasonable explanation. Their response implies that my request may have been made in error or based on a " material misrepresentation, '' which is an unfounded accusation, and completely disregards the fact that I have provided evidence of identity theft and XXXX XXXX 

This is a clear violation of my rights under the FCRA, and Experian 's failure to act in accordance with the law is causing me significant harm. They are continuing to report inaccurate and damaging information, which is impacting my creditworthiness and my ability to access essential services. I should not be held accountable for debts or obligations that were incurred as a result of XXXX  activity, particularly in the context of identity theft and human trafficking. 

Experians response to my dispute has been insufficient and unprofessional. The agencys repeated failure to investigate and remove the fraudulent accounts is a direct violation of 15 U.S.C. 1681i and 1681c-2, which require that they conduct a reasonable investigation into disputes and block fraudulent information from my credit report.

In light of this, I respectfully request that the CFPB investigate Experian 's practices and take appropriate action to ensure that they comply with the FCRA. I further request that Experian be compelled to immediately remove all negative and fraudulent accounts from my credit report, and that they provide a formal acknowledgment that the information has been blocked due to identity theft.

Please find attached copies of all relevant documentation supporting my claim. I trust that the CFPB will hold Experian accountable for their failure to adhere to the law and ensure that my credit report is accurate and free from fraudulent accounts. 

I expect a prompt resolution of this matter and would appreciate your timely attention to this complaint. Should you require any additional information or documentation, please feel free to contact me.

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