Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
On or about XX/XX/XXXX, I sent by US Mail a Letter of Dispute due to identity theft to all 4 major credit agencies, to include Experian Information Solutions , Inc and Experian Rent Bureau on behalf of the Principal 's Account. The letter read as follows, Dispute Department and Experian Rent Bureau RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law due to Identity Theft To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation or re-investigation of disputed items and should be deleted when identity theft has been reported. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations, specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA, as per 15 U.S.C. $ 1681i ( a ) ( 1 ) ( A ).

Experian is required to conduct a thorough and reasonable investigation or reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C $ 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I DEMAND that all negative and derogatory items be deleted/removed permanently from the principals report, due to identity theft. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the all disputed negative and derogatory accounts or items.
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate as mandated by law due to identity theft. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards, copies of the Principals Identification, etc was provided with the initial letter sent to Experian.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file removing and deleting all negative and derogatory account and items from the principals account/file immediately. 

Sincerely, XXXX XXXX XXXX, Authorized Representative for Principal 's Account This letter was mailed to 4 major credit agencies at the same time, on XX/XX/XXXX and as of today XX/XX/XXXXXXXX  ( over 30 days later ) I have not heard from either of the 4 credit agencies and all derogatory, negative items still remains on the principals credit report, without any explanation. 

Therefore, because identity theft has been reported, and the credit agencies has failed to comply with the laws, I am requesting CFPB 's assistance in getting all derogatory, negative accounts and items deleted/removed permanently from the Principals Report.

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