Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Subject : FINAL DEMAND FOR COMPLIANCE - FCRA VIOLATIONS AND IDENTITY THEFT BLOCKING FAILURE CFPB Cases : # XXXX and # XXXX FTC Identity Theft Report # XXXX To Whom It May Concern : This letter serves as my final demand for immediate compliance with the Fair Credit Reporting Act following your company 's continued willful violations and inadequate response to my previous complaints. Your XX/XX/scrub> 2025, response to CFPB Case # XXXX demonstrates a fundamental misunderstanding of your legal obligations under federal law and constitutes willful noncompliance with FCRA requirements. 

CHRONOLOGY OF EXPERIAN 'S VIOLATIONS On XX/XX/year>2025, I filed CFPB Complaint # XXXX, which was forwarded to Experian on XX/XX/scrub> 2025. This submission included my FTC Identity Theft Report XXXX and formal dispute documentation pursuant to 15 U.S.C. 1681a ( a ) ( 6 ) and 1681c-2 ( a ), identifying multiple fraudulent tradelines resulting from identity theft.

Under 15 U.S.C. 1681c-2 ( c ), Experian was legally required to block and delete all identity theft-related information within four business days of receiving my Identity Theft Report. Under 15
U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian had thirty calendar days to complete reinvestigation and provide written results under 1681i ( a ) ( 6 ) ( B ).

When Experian failed to respond within the statutory timeframe, I filed follow-up complaint # XXXX on XX/XX/scrub> 2025. On XX/XX/year>2025, I filed additional complaint # XXXX documenting Experian 's continued violations. 

EXPERIAN 'S INADEQUATE AND LEGALLY DEFICIENT RESPONSE Your XX/XX/scrub> 2025 response to CFPB Case # XXXX is legally deficient and demonstrates willful noncompliance with federal law. Your response incorrectly states that you conducted " reinvestigation '' by contacting data furnishers who " verified '' the disputed information as accurate. This response reveals fundamental legal errors : 1.FCRA 605B Does Not Require Reinvestigation : Under 15 U.S.C. 1681c-2, consumer reporting agencies must block identity theft information within four business days upon receipt of proper documentation. No reinvestigation is required or permitted. 

2.Identity Theft Report Supersedes Furnisher Verification : My FTC Identity Theft Report XXXX constitutes legal proof of identity theft under federal law. Data furnisher " verification '' can not override this government-mandated documentation. 

3.Willful Violation of Statutory Deadlines : More than five months have elapsed since my initial complaint, far exceeding both the four-business-day blocking requirement and thirty-day investigation deadline. 

FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE DELETION The following fraudulent tradelines and inquiries were identified in my Identity Theft Report and must be immediately blocked and permanently deleted under 15 U.S.C. 1681c-2 ( a ) : XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account No. XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX  XXXX XXXX Account No. XXXX XXXX XXXX  XXXX Account No. XXXX XXXX XXXX Account No. XXXX

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