Consumer complaint received 2024-07-07 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: NM

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to the CFPB because Experian has refused to remove inaccurate information from my credit report. I have provided the official FTC report to Experian on numerous occasions over the course of 2 years asking them to remove the inaccurate information that has shown up on my credit report as a result of identity theft. I provided them XXXX copies of identification as proof of my true and accurate address. They responded to that complaint stating that they refused to remove the inaccurate information. 

This will be my final attempt to have Experian mitigate this issue before moving to litigation in the court of law, as it is a clear and direct violation of several consumer laws. The Fair Credit Reporting Act laws clearly state : 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In addition to not removing the inaccurate information, they also violated the FCRA policies regarding indicating that I have disputed such information on my credit report. They have never indicated on my credit report that I have disputed the address. This is a clear violation of the following FCRA laws : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 62XXXX ( a ) ( XXXX ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

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 non-monetary relief