Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Experian Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Failure to Block Fraudulent Account Request for Verification Method and Legal Basis for Denial Dear Experian Dispute Team, I am writing to follow up on my previous identity theft dispute regarding a fraudulent XXXX account XXXXn my credit file. As required under FCRA 605B, I submitted : 1. A signed identity theft police report ( XXXX XXXX Report # XXXX ) XXXX. A copy of my government-issued ID 3. Proof of my current address 4. A written request to block the fraudulent account Despite this, you failed to block the account and instead initiated a reinvestigation under FCRA 611, allowing the furnisher ( WebBank/Fingerhut ) to verify the information a direct violation of the FCRA, which mandates a block within 4 business days unless you have a legitimate basis to believe the report is false.

Accordingly, I am demanding : 1. A detailed explanation of your method of verification. 
XXXX. The name, address, and contact details of the person or department at XXXX who XXXX this information. 
XXXX. A copy of any documentation you received from the furnisher to support the verification. 
4. Your legal basis for disregarding my police report and FTC Identity Theft Affidavit.

If you claim reasonable grounds to believe the report of identity theft was false, you are required under 605B ( c ) to provide a written explanation of that determination. I have received no such notice. 

Failure to provide this information within 15 calendar days will leave me no choice but to : File a second CFPB complaint for FCRA 605B noncompliance Submit a complaint to the California Attorney General Initiate a complaint with the Federal Trade Commission ( FTC ) Seek civil action for damages under FCRA 616 and 617 I expect a formal written response and the complete removal of this fraudulent account in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Re : Failure to Comply with FCRA XXXX XXXX Fraudulent Account To Whom It May Concern : This is a formal notice of Experian 's non-compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), Section 605B. 

I previously submitted a valid identity theft dispute along with : - A * * police report * * ( XXXX XXXX # XXXX ), - A copy of my * * government-issued ID * *, - Proof of my * * current address * *, and - A written statement requesting removal of a fraudulent account. 

The fraudulent account in question is : - * * Creditor * * : XXXX XXXX XXXX * Account Number * * : XXXX - * * Date Opened * * : XX/XX/XXXX - * * Status * * : Charged-Off, Balance : {$84.00} Under FCRA XXXX, Experian * * must block the fraudulent item within 4 business days * * of receiving proper documentation. Instead, you initiated a reinvestigation under Section 611 an incorrect and unlawful process in this context and allowed the furnisher to " verify '' the item. 

This is a violation of my consumer rights. * * The law does not require a reinvestigation under 605B when proper identity theft documentation is provided. * * I hereby demand that Experian * * immediately block and remove * * this fraudulent account from my credit report and provide written confirmation within 15 calendar days. 

If you fail to comply, I will file a complaint with : - The * * Consumer Financial Protection Bureau ( CFPB ) * * - The * * California Attorney General * * - And consider * * civil action * * under FCRA 616 and 617 for willful and negligent noncompliance. 

Sincerely, XXXX XXXX XXXX ( Enclosures : Previous Police Report, ID, Proof of Address )

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