Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
Attached is my confirmation email from the FTC that the FTC report was filed with the Federal Trade Commission, which is a federal legal entity that you must take in lieu of a police report. My drivers license and proof of address is also attached. I have lived at this address for the last 8 years. 

On XX/XX/XXXX, I submitted to Experian via their online dispute upload system a formal identity theft dispute pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and corresponding Ohio identity theft statutes. This submission contained : Full proof of my identity ( government-issued ID, Social Security card, proof of address ) FTC Identity Theft Report ( # XXXX ) Signed, sworn affidavit listing all fraudulent accounts, inquiries, names, and addresses A direct demand for blocking and deletion within XXXX ( XXXX ) business days as required by law The fraudulent items I identified and demanded be blocked and deleted were : Fraudulent account : XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX ) Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Fraudulent names : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX Requirement XXXX Under FCRA 605B ( a ), once a consumer reporting agency receives : 1. Proof of identity, 2. A valid identity theft report, 3. Identification of the fraudulent information, and 4. A statement that the information is not from any transaction by the consumer, it must block and delete the information within XXXX business days. 

Violation : Experian received my complete, compliant packet on XX/XX/XXXX, which triggered a legal deadline of XX/XX/XXXX. As of today, Experian has willfully failed to block or delete the fraudulent items. This is a clear, ongoing violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) failure to block fraudulent information within statutory time frame FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) failure to assure maximum possible accuracy FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) communicating credit information known to be false Ohio Revised Code 1349.19, 2913.49 failure to prevent continued publication of known identity theft data XXXX and XXXX XXXX : Experians noncompliance is not a mere oversight it is willful. I gave them all statutory requirements in one complete package, and they chose to ignore a federal deadline. This has caused : Ongoing publication of false and damaging information Credit denials and increased interest rates Emotional distress, reputational harm, and financial loss Requested Regulatory Action and Relief : 1. Immediate blocking and permanent deletion of all disputed fraudulent items.

2. Written confirmation of compliance sent to me and to all recent credit recipients.

3. Full investigation into Experians systemic disregard for FCRA 605B.

4. Regulatory enforcement, fines, and monitoring to ensure future compliance. 
I reserve all rights to pursue statutory damages, actual damages, attorneys fees, and injunctive relief under 15 U.S.C. 1681n and 1681o.

Experians actions are a knowing and deliberate violation of federal law. This is not a technical error it is a refusal to comply with clear statutory obligations designed to protect identity theft victims.

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