Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
RE : FORMAL IDENTITY THEFT BLOCK & DELETION DEMAND UNDER FCRA XXXX Metro 2 Code : XXXX ( XXXX ) Required | e-OSCAR Dispute To Experian, This is a formal ID theft dispute and block demand under FCRA 605B ( 15 U.S.C.

1681c-2 ). The account ( s ) identified below were fraudulently opened without my knowledge or authorization.

MANDATORY ACTIONS UNDER FCRA 605B Per FCRA 605B ( b ), once you receive this identity theft report with supporting documentation, you are legally required to : Block reporting of the fraudulent account ( s ) within 4 business days.

Apply Metro 2 Code 01 ( XXXX  ), reflecting its identity theft status. 
Notify each data furnisher that the account was identified as resulting from identity theft and must be blocked. 
This is a mandatory statutory obligation, not subject to your discretion. 
ATTACHED PROOF UNDER FCRA 605B ( c ) I have provided all documentation required by FCRA 605B ( c ) : Copy of my government-issued ID Copy of my Social Security card Utility bill verifying my address ( Police report or FTC Identity Theft Affidavit if applicable ) For your compliance convenience, I have also attached a Metro 2 and e-OSCAR dispute input sheet detailing the fraudulent account data in a structured format aligned with your internal processing standards. 
I also affirm under penalty of perjury that I did not authorize or open the account ( s ) listed below. 
DISPUTED FRAUDULENT ACCOUNT ( S ) Creditor : XXXX Account # : XXXX XXXX XXXX XXXX XXXX Type : Installment Reason : Identity theft requires immediate block & deletion under FCRA 605B. 
ADDITIONAL DEMANDS UNDER FCRA 611 Per FCRA 611 ( 15 U.S.C. 1681i ) : Provide me with a copy of any original wet-ink signed contract bearing my signature that you or the furnisher rely on to verify this account. 
If no such contract exists, the account must be immediately blocked and permanently deleted. 
Reliance on internal system notes, electronic data pulls, or unverifiable metadata does not satisfy your statutory obligations.

SPECIFIC COUNTER TO IMPROPER EXCUSES Prior payments, account age, or earlier disputes are irrelevant.

Under FCRA 605B, your duty to block applies once a valid identity theft report is received, regardless of payment history, previous disputes, or when the fraud was reported. 
Possession of goods or services is not a valid defense. 
The statute does not exempt obligations based on alleged benefit. Any such reasoning is improper under federal law. 
LEGAL PRESERVATION DEMAND SPOLIATION NOTICE You are hereby directed to preserve all internal notes, investigation logs, communications with data furnishers, audit trails, and reinvestigation records related to this dispute. Any alteration or destruction of such evidence will constitute spoliation, subject to adverse inference and additional sanctions under federal evidentiary standards. 
NOTICE OF LIABILITY & CRIMINAL PENALTIES Failure to comply constitutes : Willful noncompliance under FCRA 616 & 617, exposing you to statutory damages, actual damages, punitive damages, costs, and attorney fees. 
A criminal violation under FCRA 1681q for knowingly reporting false or inaccurate data. 
DEMAND FOR WRITTEN CONFIRMATION I hereby demand that you : Confirm in writing that this account has been blocked and permanently deleted under FCRA 605B. 
Certify that your records reflect Metro 2 Code 01 ( XXXX  ). 
Confirm that no adverse data is being reported to any lender or scoring model during this process.

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