Consumer complaint received 2025-07-07 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:
Due to an upload error, a credit report from a different consumer was mistakenly attached in the original submission. That file was included in error and should be disregarded entirely. 

This complaint was submitted directly by me the affected consumer and all identity verification documents ( FTC Identity Theft Report # XXXX, government-issued ID, SSN, and proof of address ) are correct and belong to me.

I am now attaching the correct credit report, which reflects the disputed fraudulent items. This complaint is valid and must be processed under FCRA 605B.

Now, to reiterate my legal position : Experian, you are now on formal legal notice for repeated, willful violations of the Fair Credit Reporting Act specifically 605B, 607 ( a ), 610 ( a ), and 603 ( q ) following multiple lawful identity theft disputes that you knowingly ignored, sabotaged, and falsified responses to. 

Lets be clear : I submitted multiple 605B identity theft disputes with all required documentation : - FTC Identity Theft Report # XXXX - Government-issued ID - Social Security Number - Proof of current address These were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. You received them. You processed them. And you deliberately refused to comply with federal law. 

FRAUDULENT ITEMS YOU REFUSE TO BLOCK : - XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Status : Charge-Off Paid & Closed Still marked as derogatory You altered the status and date, which proves you received the dispute but you illegally left it in my file. 

- Hard Inquiries ( identity theft-related ) : XXXX XXXX XXXX XXXX XX/XX/XXXX You had no legal authority to keep them after receiving a valid 605B report.

YOUR ACTIONS ARE ILLEGAL UNDER FEDERAL LAW. Lets break this down : - 605B ( a ) : You were required to block the items. You didnt.

- 605B ( b ) : You were forbidden from contacting furnishers. You did.

- 605B ( c ) ( 1 ) : Youre required to block the data, even if its accurate. You didnt.

- 605B ( c ) ( 3 ) : You can not investigate or verify. You did.

- 607 ( a ) : You failed to follow compliance procedures.

- 610 ( a ) : You failed to issue a legal refusal notice.

- 603 ( q ) : You rejected a valid FTC Identity Theft Report, which is not up for your interpretation. 

On top of that, you mailed me a letter demanding unauthorized and irrelevant documents like police case files and badge numbers which are not required under the FCRA. You have no legal authority to deny a 605B block based on internal preferences or policies.

THIS IS NOT A MISTAKE THIS IS WILLFUL NONCOMPLIANCE.

You received the reports.

You acted on them partially.

You refused to comply fully.

You did this not once, but three times even after being reported to the CFPBXXXX XXXX complied. You did not.

This is a deliberate strategy to ignore the law and obstruct the dispute process.

You are now exposed to : - 1681n Civil liability for willful violation - 1681o Civil liability for negligent noncompliance Civil penalties, statutory damages, punitive damages, and legal fees.

* * FINAL WARNING : * * You will immediately : 1. Permanently block and remove : XXXX XXXX XXXXXXXX account # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. Issue a formal written confirmation of compliance XXXX. Cease all unlawful investigation tactics on future 605B claims If I do not receive full compliance immediately, I will escalate this matter to : - The Federal Trade Commission ( FTC ) - The State Attorney General - The U.S. Congressional Committee on Consumer Protection - And initiate a private civil action under FCRA 1681n/o You are out of excuses. You are out of time. You are in violation.

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