Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I am filing this formal complaint against Experian for their willful refusal to block fraudulent accounts from my credit report as required by Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite my submission of a legitimate Identity Theft Report and detailed supporting documentation, Experian has unlawfully failed to block these fraudulent accounts and continues to report inaccurate information on my credit file.

Violation of Section 605B of the FCRA : Section 605B of the FCRA mandates that when a consumer identifies an account as fraudulent and submits an Identity Theft Report ( which I did ), the credit reporting agency must block that information from the consumers credit report within four business days of receiving the appropriate documentation. I have complied with all legal requirements, including submitting an Identity Theft Report, but Experian has refused to act within the required timeframe, continuing to report fraudulent accounts on my credit file. 

Fraudulent Accounts in Dispute : The following fraudulent accounts remain on my credit report, despite my submission of the required Identity Theft Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened in my name and have no legitimate basis for being on my credit report. Under Section 605B, Experian is legally required to block these fraudulent entries from my credit report within four business days, yet they have failed to do so, continuing to allow these inaccurate entries to harm my credit standing. 

Immediate Action Requested : I am requesting that the CFPB take immediate action to investigate Experians failure to comply with Section 605B of the FCRA. I demand the following : 1. Immediate investigation into Experians failure to block the fraudulent accounts.

2. Compelling Experian to block the fraudulent accounts from my credit report and correct my credit history.

3. Documentation from the CFPB outlining the steps taken to resolve this issue, including enforcement actions against Experian for non-compliance.

If Experian continues to fail to comply with Section 605B, I will pursue further actions, including filing complaints with : The Federal Trade Commission ( FTC ) The State Attorney Generals office Legal action for damages caused by their failure to block fraudulent information.

The Harm Caused : Experians refusal to block these fraudulent accounts is causing ongoing damage to my credit score and financial reputation. This non-compliance with federal law is not only harmful to my credit, but it is also a clear violation of my consumer rights under the FCRA. 

Conclusion : I trust that the CFPB will take immediate and decisive action to address Experians failure to block these fraudulent accounts and enforce compliance with the FCRA. Please ensure that Experian is held accountable for their unlawful actions and that this issue is resolved without delay. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my complaint has been investigated and resolved.

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