Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Final Dispute Notice Failure to Remove Fraudulent Accounts Despite Proper Submission Through CFPB Dear Experian Dispute Department, This letter is a formal response to the recent notification I received from your office claiming you could not process my identity theft dispute due to missing identity documents. I find this response completely unacceptable and a clear stall tactic to exceed the 30-day dispute resolution timeframe allowed under federal law. 
On XX/XX/year>, I submitted a full identity theft report, including a copy of my government-issued ID and Social Security card , through the Consumer Financial Protection Bureau ( CFPB ) portal. These documents were made readily available to Experian through that federal agencys secure system and satisfy 15 U.S. Code 1681c2 under the Fair Credit Reporting Act ( FCRA ). That law requires you to block information that results from identity theft within four ( 4 ) business days of receiving a valid identity theft report and proof of identity. 
You are currently in violation of the following federal laws : 15 U.S. Code 1681c2 : Requires credit reporting agencies to block fraudulent information resulting from identity theft within four business days of receiving a proper identity theft report.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to investigate and respond to disputes within 30 days of receipt.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Mandates deletion of inaccurate, incomplete, or unverifiable information following a reinvestigation. 
As of today, more than 30 days have passed, and the fraudulent accounts remain on my credit report in direct violation of the law. Your claim that I must re-submit documents already submitted through CFPB is not only redundant but constitutes a willful delay and failure to comply with federal regulation. The CFPB submission process is legally recognized and secure. You are obligated to act based on that submission. 
Demand for Immediate Action : You are hereby given 7 days from receipt of this letter to : Remove all fraudulent accounts and data associated with the identity theft report submitted via CFPB ; Provide a full written confirmation that these items have been permanently deleted from my credit report ; Send an updated credit report to the address listed above showing the deletions. 
Failure to comply will result in immediate legal action, including formal complaints filed with the FTC, CFPB, and State Attorney General, as well as seeking monetary damages for your willful noncompliance. 
You are legally bound to protect consumers and can not ignore federally submitted documentation to extend your investigation timeline.

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