Consumer complaint received 2025-01-15 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: AL

Complaint narrative:
On XX/XX/year> I filed the following CFPB complaint against Experian, XXXX, and XXXX : I am a victim of identity theft. I have advised the credit bureaus of this on multiple occasions. My personal information was exposed in multiple data breaches. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. -Copy of my driver 's license as verification of Identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Yesterday was the 4th business day so I called Experian. I explained everything that I have been dealing with as it relates to identity theft and let the fraud department representative know that I have disputed these items on several occassions and they keep coming back as verified, although Ive disputed for fraud and when they still came back as verified, I tried to not only show that the items were fraudulent but filed disputes based on the inaccuracies and etc yet the items still remain. 

I then told the representative that if they were declining to block the items from my credit that they were supposed to make me aware per the FCRA and she verbally told me that was her making me aware by saying it would take 30 days min. Later that day I received several emails stating that they were declining to block the information although I advised that my information had been exposed in multiple data breaches. 

Experian, one of the largest consumer reporting agencies in the United States, is also being sued by the Consumer Financial Protection Bureau ( CFPB ) for unlawfully failing to investigate consumer disputes properly. The lawsuit alleges violations of federal laws governing the accuracy of credit reports and the handling of consumer disputes. These are the same issues that I have been experiencing. 

I am attaching an email from the XXXX XXXX XXXX. My information was also exposed in the XXXX XXXX  Breach as well. 

I've also uploaded to Experian on several occasions how the already fraudulent information reports differently across each credit bureau and asked that these items be removed on several occasions pursuant to the FCRA and they never were. 

XXXX never blocked or removed any of the requested information from my initial complaint on the XX/XX/year>XXXX   and did not send me any notice of declination to do so.

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