Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX Subject : Formal Demand for Immediate Removal of Unauthorized and Fraudulent Information from My Credit Report To Whom It XXXX Concern, This formal complaint is directed at Experian and XXXX, XXXX credit reporting agencies whose actions display a willful disregard for federal law, consumer rights, and their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite submitting my FTC Identity Theft Report, along with proof of identification ( a valid drivers license ) and proof of address ( a XXXX form from XXXX ), both agencies have failed to comply with XXXX U.S.C. XXXX ( FCRA Section XXXX ), which mandates the blocking of disputed information within XXXX ( XXXX ) business days of receiving proper documentation. 
Instead, I am being subjected to unlawful delay tactics, including a baseless demand for my Social Security XXXX ( XXXX ). This request is unnecessary under federal law and contrary to your own guidelines, which clearly state that alternative forms of identification, such as a drivers license, SSN card, and utility, suffice for identity verification. 
This letter demands immediate action to remove the following unauthorized accounts, names, addresses, and inquiries, which continue to harm my financial standing and reputation : XXXX Accounts to Be Removed XXXX. XXXX Bank : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear on my report. 
Unauthorized Addresses to Be Removed XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX authorized. 
Violations of XXXX XXXX XXXX. Failure to XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX FCRA XXXX XXXX, both Experian and XXXX are XXXX to block disputed information within XXXX business days of receiving appropriate documentation. My FTC Identity Theft Report and supporting documents were submitted in full compliance with federal law. Your refusal to act is a direct violation of this statute. 
XXXX. Unlawful Reporting Without Consent ( XXXX XXXX. XXXX ) : Reporting unauthorized accounts, names, and addresses without my written consent constitutes fraud under FCRA. By continuing to profit from this false information, you violate federal consumer protection laws and demonstrate malicious intent. 
XXXX. Constitutional Violations Due Process ( Fifth and Fourteenth Amendments ) : Your refusal to comply with federal law deprives me of due process, as my creditworthiness is being harmed without proper recourse or resolution. This violation of constitutional protections further highlights the severity of your misconduct. 
XXXX. Unfair and Deceptive Practices ( Section XXXX ( a ) of the FTC XXXX ) : Your ongoing refusal to address my complaints and block unauthorized information is an unfair and deceptive practice, warranting federal penalties and potential enforcement actions. 
XXXX Demands XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked from my credit reports within XXXX ( XXXX ) business days of receipt of this letter, in accordance with XXXX XXXX. XXXX. 
XXXX. Written Confirmation of Compliance : Both agencies must provide written confirmation that the disputed information has been blocked or removed permanently from my credit reports. 
XXXX. Cease Unlawful Demands for XXXX : Experian and XXXX must immediately cease their unlawful demand for my Social Security XXXX, as federal law does not require its submission for identity verification or blocking requests. 
XXXX. XXXX XXXX XXXX : Both agencies must implement improved internal compliance measures to ensure future adherence to federal blocking requirements and avoid delays in handling identity theft claims. 
Severe Penalties for Noncompliance Failure to comply with this demand will result in : XXXX. Escalation to Regulatory Authorities : I will submit formal complaints to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to hold Experian and XXXX accountable for their unlawful practices. 
XXXX. XXXX XXXX : I will pursue legal remedies for violations of the FCRA, constitutional rights, and consumer protection laws. Potential liabilities include : Statutory damages : Up to {$1000.00} per violation under XXXX XXXX. XXXX and XXXX. 
Punitive damages for willful noncompliance. 
Treble damages under the XXXX XXXX ( XXXX XXXX. XXXX ) if fraudulent reporting practices are proven. 
XXXX. XXXX Penalties and XXXX XXXX : I will seek injunctive relief to prevent further violations and civil penalties for your deliberate noncompliance with federal statutes. 
Requiring an XXXX to process a blocking request is baseless, as federal law explicitly states that sufficient proof of identity can include a drivers license, passport, XXXX form, or utility bill. Forcing consumers to provide unnecessary sensitive information creates privacy risks, obstructs due process, and imposes an undue burden. 
Legal Violations and Concerns XXXX. Exceeding Federal Requirements : The FCRA ( XXXX XXXX. XXXX ) does not require an SSN for identity verification when disputing inaccuracies or blocking information. Experians and TransUnions insistence on an XXXX contradicts this federal standard, effectively creating barriers to compliance. 
XXXX. Privacy Violations and Due Process : Demanding an SSN unnecessarily puts consumers at risk of identity theft and breaches their constitutional right to privacy ( XXXX XXXX ). Additionally, this obstructive practice deprives me of my due process rights under the Fifth and Fourteenth Amendments, as it delays resolution and defames my creditworthiness. 
XXXX. XXXX XXXX XXXX : If the XXXX requirement is an internal policy, it goes beyond federal law and reveals potential conflicts of interest. Such policies XXXX be designed to retain consumer data for financial gain, violating the XXXX XXXX ( XXXX XXXX. XXXX ), which protects against unauthorized disclosure of personal information. 
XXXX. Pattern of Obstruction and Fraudulent Intent : These practices align with the systemic failures demonstrated in Case # XXXX, where XXXX XXXX, a Consumer Affairs Manager, failed to properly address my concerns or provide legal justification for similar obstructive actions. This pattern of conduct reflects an industry-wide issue where internal policies are weaponized to prevent lawful compliance with federal mandates. 
Specific Violations by Experian and XXXX XXXX. Failure to XXXX XXXX ( FCRA XXXX ) : Despite proper submission of proof of identity and an FTC report XXXX the agencies have failed to block unauthorized accounts, names, and addresses within XXXX business days as required by law. 
XXXX. Unfair Practices ( FTC XXXX, Section XXXX ( a ) ) : The refusal to act on valid disputes constitutes an unfair and deceptive practice, warranting federal penalties and enforcement. 
XXXX. XXXX XXXX ( XXXX XXXX, XXXX XXXX. XXXX ) : If these agencies are profiting from retaining unauthorized consumer information or creating obstacles to dispute resolution, they XXXX be engaged in racketeering activities subject to treble damages, fines, and criminal penalties. 
Demands for XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX XXXX : All unauthorized accounts, names, and addresses must be blocked within XXXX ( XXXX ) business days of receipt of this letter. 
XXXX. Written Confirmation of Compliance : Experian and XXXX must confirm in writing that the disputed information has been blocked or removed permanently from my credit report. 
XXXX. XXXX and XXXX XXXX Practices : The agencies must immediately cease their baseless XXXX demand, which obstructs compliance and violates federal law. 
Severe Penalties for Continued Noncompliance Failure to act promptly will result in escalation, including : XXXX. XXXX Complaints : Filing additional complaints with the CFPB and FTC to seek enforcement action against Experian and XXXX. 
XXXX. Legal Action : Pursuing damages under the FCRA, the XXXX Act ( XXXX XXXX. XXXX ), and constitutional law violations. 
XXXX. Public Advocacy : Escalating this issue to consumer advocacy organizations and publicizing these agencies misconduct to prevent further victimization of consumers. 
Conclusion Experian and XXXX must comply with federal law and recognize the severity of their actions. Their refusal to act not only harms me personally but undermines the integrity of the entire credit reporting system. I demand immediate resolution, as outlined above, or I will pursue all available legal, regulatory, and public remedies. 

Conclusion Your refusal to block unauthorized and inaccurate information is not only a violation of federal law but also a direct attack on my financial stability and personal reputation. I demand full compliance with these legal requirements immediately. Failure to act will only strengthen my resolve to hold Experian and XXXX fully accountable under the law

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