Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
CFPB 4TH ROUND DISPUTE RESPONSE FULL LEGAL ESCALATION I AM NOW SUBMITTING MY FOURTH FORMAL COMPLAINT AGAINST EXPERIAN FOR REPEATED, DELIBERATE, AND ILLEGAL NONCOMPLIANCE WITH THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), SPECIFICALLY SECTION 605B. THIS IS A FULL IDENTITY THEFT DISPUTE. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION MULTIPLE TIMES, INCLUDING : A VALID FTC IDENTITY THEFT REPORT GOVERNMENT-ISSUED PHOTO ID SOCIAL SECURITY CARD PROOF OF ADDRESS A DETAILED LIST OF FRAUDULENT HARD INQUIRIES THE FOLLOWING INQUIRIES WERE DISPUTED UNDER FCRA 605B AS UNAUTHORIZED AND OBTAINED THROUGH IDENTITY THEFT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN HAS DELETED ONE OF THE FRAUDULENT INQUIRIES ( XXXX XXXX XXXX XXXXXX/XX/year> ) WHICH CONFIRMS THEIR ACKNOWLEDGEMENT THAT IDENTITY THEFT TOOK PLACE BUT ILLEGALLY REFUSED TO BLOCK THE OTHERS. THIS IS A BLATANT VIOLATION OF THE FOLLOWING FEDERAL STATUTES : 1. FCRA 605B ( C ) ( 1 ) : EXPERIAN IS REQUIRED BY LAW TO BLOCK FRAUDULENT INFORMATION WITHIN 4 BUSINESS DAYS OF RECEIVING A VALID IDENTITY THEFT REPORT PACKAGE. THEY DID NOT. THIS IS A DIRECT STATUTORY VIOLATION. 

2. FCRA 605B ( B ) : THE LAW PROHIBITS REINVESTIGATION WHEN A VALID IDENTITY THEFT REPORT HAS BEEN FILED. EXPERIAN ILLEGALLY CONTACTED THE DATA FURNISHERS AND RELIED ON THEIR VERIFICATION, WHICH IS EXPRESSLY BARRED BY 605B. 

3. FCRA 605B ( C ) ( 2 ) ( B ) : IF EXPERIAN DETERMINED MY IDENTITY THEFT REPORT TO BE FALSE, THEY ARE REQUIRED TO NOTIFY ME IN WRITING IMMEDIATELY. THEY DID NOT. THEREFORE, THEY CAN NOT REFUSE TO BLOCK.

4. FCRA 607 ( B ) : EXPERIAN IS REQUIRED TO MAINTAIN ACCURATE AND CONSISTENT REPORTING. REMOVING ONE INQUIRY FROM A FRAUD RING WHILE RETAINING FOUR OTHERS FROM THE SAME INCIDENT IS ILLOGICAL, INCONSISTENT, AND A VIOLATION OF THEIR DUTY TO ENSURE ACCURACY. 

5. FCRA 611 ( A ) : EVEN IF EXPERIAN TRIED TO MISLABEL THIS AS A STANDARD DISPUTE, THEY FAILED TO PROVIDE A LEGALLY ADEQUATE RESPONSE, NOR DID THEY PROVIDE PROPER NOTIFICATION OR EVIDENCE FROM THE FURNISHER. 

6. FCRA 602 ( A ) : CONGRESS MANDATES THAT CREDIT REPORTING BE FAIR, ACCURATE, AND RESPECTFUL OF CONSUMER PRIVACY. EXPERIANS ACTIONS UNDERMINE THIS PRINCIPLE ENTIRELY. 

7. FAILURE TO RESPOND TIMELY TO IDENTITY THEFT CLAIMS ( OVER 80+ DAYS SINCE ORIGINAL DISPUTE ) CONSTITUTES PROCEDURAL MISCONDUCT AND MALPRACTICE. 

8. POTENTIAL VIOLATION OF FCRA 616 AND 617 : DUE TO WILLFUL NONCOMPLIANCE AND NEGLIGENCE, I RESERVE THE RIGHT TO SEEK ACTUAL, STATUTORY, AND PUNITIVE DAMAGES IN A FEDERAL CIVIL CLAIM.

I AM DEMANDING IMMEDIATE ENFORCEMENT ACTION AGAINST EXPERIAN FOR WILLFUL NONCOMPLIANCE WITH FCRA 605B. IF THIS IS NOT RESOLVED IMMEDIATELY, I WILL BE FILING FORMAL COMPLAINTS WITH THE : FEDERAL TRADE COMMISSION ( FTC ) STATE ATTORNEY GENERALS OFFICE XXXX XXXX XXXX XXXX XXXX XXXX AND SUBMITTING A LEGAL NOTICE OF INTENT TO SUE IN FEDERAL COURT FOR DAMAGES UNDER FCRA 616617. 

EXPERIANS PATTERN OF IGNORING LEGAL REQUIREMENTS IS A DANGER TO ALL CONSUMERS, AND THIS ESCALATION IS NECESSARY TO PROTECT MY RIGHTS.

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