Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against : Equifax, Experian, and TransUnion Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Email : XXXX Subject : Formal Complaint for Identity Theft Request for Permanent Blocking and Deletion of Fraudulent Accounts and Inquiries Pursuant to FCRA To Whom It May Concern, I am a victim of identity theft. I am filing a formal complaint against all three credit reporting agenciesExperian, Equifax, and TransUnionfor failing to properly investigate and block fraudulent accounts and inquiries that were added to my credit report without my authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and related provisions. 

Attached is my official FTC Identity Theft Report ( FTC Report # XXXX ), as well as a police report verifying the crime. Despite providing this documentation, the credit bureaus have continued to report fraudulent information and have failed to permanently block and delete the following fraudulent accounts and inquiries : Fraudulent Accounts to Be Deleted Immediately : 1. XXXX XXXX | Account : XXXX | {$1900.00} 2. XXXX XXXX XXXX | Account : XXXX | {$310.00} 3. XXXX XXXX XXXX | Account : XXXX | {$350.00} 4. XXXX XXXX XXXXXXXX XXXX XXXX | Account : XXXX | {$690.00} Fraudulent Addresses and Credit Inquiries : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Inquiries : XXXX XXXX XXXX XXXX XXXX I never applied for these accounts, authorized these debt collectors to access or use my personal information, or had any business relationship with them. These companies have also failed to provide the legally required chain of assignment and forward flow agreement, which further invalidates their reporting of these debts under FCRA 623 and 15 U.S.C. 1681s-2 ( b ).

Legal Basis for My Complaint : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), upon receipt of a valid identity theft report, the credit bureaus are required by law to block and delete the fraudulent accounts within 4 business days.

Under FCRA 611 ( 15 U.S.C. 1681i ), the consumer reporting agencies are required to conduct a reasonable investigation, including providing the method of verification, the furnishers name, and contact information.

The bureaus have not complied with these provisions, and therefore are in willful noncompliance, making them liable under FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ) for actual, statutory, and punitive damages.

Relief Sought : I am demanding that all three credit bureaus : 1. Permanently block and delete the listed fraudulent accounts and inquiries within 4 business days as required by law.

2. Confirm in writing that the deletions have occurred and provide updated credit reports free of charge.

3. Cease and desist from reporting or re-reporting any of the fraudulent items identified in my FTC Identity Theft Report.

Failure to comply will result in my pursuit of civil damages in federal court under FCRA, including actual damages, statutory penalties of {$1000.00} per violation, and attorney fees. 

Sincerely, XXXX XXXX FTC ID Theft Report # : XXXX Phone : XXXX Email : XXXX Date : XX/XX/scrub> 2025 2025

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