Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Identity Theft Request to Block Fraudulent Hard Inquiries under FCRA XXXX. I am writing to formally request the blocking of fraudulent hard inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section XXXXB ( 15 U.S. CXXXXe XXXX ), which requires credit reporting agencies to block such information upon receiving proper documentation from the consumer. The following hard inquiries were made without my knowledge or authorization and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX - XXXX In accordance with the FCRA, I am providing the following documentation to verify my identity and support this request : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) XXXX. A copy of my government-issued photo ID and Social Security number XXXX. Proof of my current mailing address All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
A consumer reporting agency shall block the reporting of any information in the consumers file that the consumer identifies as resulting from identity theft not later than XXXX business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
A consumer reporting agency may decline to block, or may rescind any block of, information relating to a consumer under this section, if the consumer materially misrepresents the facts, and upon doing so shall notify the consumer in writing of such decision not later than XXXX business days after making such determination Every consumer reporting agency shall maintain reasonable procedures designed to facilitate the filing of consumer complaints, including the designation of personnel to address such complaints with regard to the accuracy of information in any consumer report. 
Every consumer reporting agency shall maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that such agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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