Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Demand for Immediate Block and Permanent Removal of Fraudulent Information Under FCRA 605B I am submitting this written request under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which legally requires consumer reporting agencies and furnishers to block, delete, and cease reporting fraudulent information upon receipt of a valid Identity Theft Report.

I have provided a valid FTC Identity Theft Report, which qualifies as an Identity Theft Report under the definition in FCRA 603 ( q ) and Regulation V, 16 C.F.R. 603.3. This document obligates the credit reporting agency and the furnisher ( XXXX XXXX ) to remove the fraudulent account immediately. 


-- - LEGAL BASIS FOR MY DEMAND 1. FCRA 605B ( a ) Mandatory Blocking Within 4 Business Days Under FCRA 605B ( a ) ( 1 ), once a consumer submits an Identity Theft Report, the credit reporting agency must block the fraudulent information from the consumers file within 4 business days, without delay and without requiring further investigation.

The law is clear : You are not permitted to conduct an investigation before blocking the information.

-- - 2. FCRA 605B ( b ) No Additional Documentation May Be Required Under 605B ( b ), the agency or furnisher may not demand additional forms, affidavits, police reports, ID copies, or other documentation beyond what is specified in the Identity Theft Report.

My FTC Identity Theft Report is all that is required by law.

-- - 3. FCRA 605B ( c ) Permanent Deletion Provisions Once the fraudulent item is blocked : You must permanently delete the information from my credit report. 

You must notify all other CRAs ( if applicable ). 

You must not reinsert the information unless the furnisher provides clear and convincing evidence that the information is not fraudulent a standard almost never met. 


If any reinsertion is attempted, the CRA must : 1. Provide written notice to me within 5 business days.

2. Provide the complete evidence used to justify reinsertion.

3. Confirm that the furnisher completed a lawful reinvestigation under 611 ( a ).

-- - 4. FACTA ( Fair and Accurate Credit Transactions Act ) Amendments FACTA requires CRAs and furnishers to : Prevent the reporting of fraudulent accounts.

Immediately suppress fraud-related data. 

Correct internal matching errors. 

Ensure that no fraudulent address, phone number, or personal information remains in the file. 


Because the fraudulent XXXX XXXX XXXX account contains an address, phone number, and application information that do not belong to me, continued reporting violates both FACTA and Regulation V.

-- - 5. FCRA 623 ( a ) ( 6 ) Furnishers Legal Duty The furnisher ( XXXX XXXX ) is prohibited from reporting information that it knows or has reasonable cause to believe is the result of identity theft. 

After receiving my FTC report : XXXX must stop furnishing the account permanently. 

XXXX must inform all CRAs that the account is fraudulent. 

XXXX must cease all collection activity and must not sell or transfer the account. 



-- - 6. FCRA 609 ( e ) Mandatory Disclosure by the Furnisher Upon my identity theft claim, XXXX is legally required to provide : Application records Transaction history Fraudulent address information Copies of all documents used to open or access the account Failure to provide these is a violation of federal law. 


-- - MY FORMAL DEMAND UNDER FEDERAL LAW I hereby invoke my rights under FCRA 605B and demand : 1. Immediate blocking and permanent removal of all fraudulent information related to the XXXX XXXX XXXX account from my credit file. 


2. No investigation, as the law requires immediate blocking upon receipt of an Identity Theft Report.

3. No requests for additional documentation, as prohibited by 605B ( b ).

4. Written confirmation that the fraudulent account has been : Blocked Deleted Removed from all CRAs Flagged permanently as identity theft 5. Cessation of all reporting and furnishing by XXXX. 


6. No reinsertion of the fraudulent information without strict compliance with 605B ( c ).

-- - NOTICE OF INTENT TO FILE REGULATORY ACTION Failure to comply with these federal requirements will result in : A CFPB complaint A State Attorney General complaint A Federal Trade Commission report update Potential civil action under FCRA 616617 for damages, fees, and legal remedies -- - Conclusion My FTC Identity Theft Report legally obligates you to block and delete this fraudulent account immediately, without investigation, and without demanding additional documents.

I expect written confirmation that the block and deletion have been completed in full compliance with FCRA 605B.

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