Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : 2nd Request for Block of Fraudulent Information Under 15 U.S.C. 1681c-2 and Demand for Reinvestigation and Proof of Furnisher Evidence under FCRA 605B ( 15 U.S.C. 1681c-2 ) TO WHOM THIS MAY CONCERN : Subject : 2nd Request for Removal of Fraudulent Information and Notice of Compliance Requirements : I am writing to again formally request the immediate block of fraudulent information on my credit report as required under 15 U.S.C. 1681c-2, part of the Fair Credit Reporting Act ( FCRA ). This letter also serves as documentation of your legal obligations under both federal and state law to maintain accurate consumer data and ensure protection against fraudulent reporting.

This is also a demand for a result of the reinvestigation of the below listed accounts that I have previously disputed as fraudulent under FCRA 605B ( 15 U.S.C. 1681c-2 ) due to identity theft.

Despite my prior notifications, Experian has reported that the furnisher has provided proof that the account ( s ) in question is valid. However, no documentation or evidence of this proof has been forwarded to me, as is required by the FCRA.

Under the Fair Credit Reporting Act, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires that, upon completion of a reinvestigation, the credit reporting agency provide the consumer with all relevant details concerning the investigation, including any documents submitted by the furnisher that justify the continued reporting of the disputed account.

1. Please forward to me all documentation or proof that the furnisher has provided regarding this account. This request is made in line with the requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( b ), which obligate Experian to forward all relevant information related to the dispute to me as the consumer.

2. If the furnisher can not provide the required proof that this account is valid, I demand that Experian remove this account from my credit report under FCRA 605B ( c ), which mandates the prompt deletion/suppression of fraudulent information when an identity theft report is provided by the consumer.

Consider this letter as a formal reinvestigation request. I also demand that you provide me with a written statement of the results of this reinvestigation, as required under FCRA 611 ( a ) ( 6 ) ( B ).

Accounts for removal : I discovered that certain information on my credit report appears to be the result of identity theft or other unauthorized activity. The disputed information includes the following accounts : Account Name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$10000.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$7900.00} Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$1400.00} Account Name : XXXX XXXX  **Collection/Chargeoff** Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$430.00} Account Name : XXXX XXXX  **Collection/Chargeoff** Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$1500.00} Account Name : XXXX XXXX  **Collection/Chargeoff** Account Number XXXX Date Opened XX/XX/XXXX Disputed Balance {$5400.00} INQUIRIES : XXXX XXXX  Inquired on XXXX XXXX, XXXX According to 15 U.S.C. 1681c-2, upon receiving notification of fraudulent information, you are required to block the reporting of such information in my credit report no later than four business days after receiving this request. This legal requirement includes blocking any subsequent reporting or reinsertion of the disputed information unless the CRA can confirm the information is legitimate and verifiable. 

Legal Grounds for My Request : Under 15 U.S.C. 1681c-2, federal law explicitly protects consumers against identity theft and mandates prompt action by CRAs to block fraudulent data. Furthermore, state law in Alabama provides additional protections against improper handling of consumer data and may carry penalties for violations related to identity theft reporting.

I have attached the following documents as proof of my identity and as required verification under FCRA for the blocking request : 1. Proof of Identity : AL Drivers license, SS Card, Utility Bill. 
2. Police Report and FTC Identity Theft Report, documenting the fraudulent activity Instructions for Compliance : Please comply with the following steps to correct this issue and ensure your adherence to both federal and state consumer protection laws : 1. Immediate Block : Remove the disputed information from my credit report within four business days.

2. Confirmation of Compliance : Send written confirmation to me at the above address, detailing the actions taken, including the date of the block and confirmation that the data will not be reinserted without prior verification.

3. Update of Relevant Parties : Notify all parties who previously received my credit report containing the fraudulent information that the data has been removed.

4. Provision of Records : Please provide any supporting documentation or information in your possession relating to the fraudulent entries.

Failure to Comply : Please be advised that failure to comply with my request in a timely manner will be viewed as a violation of 15 U.S.C. 1681c-2 and may also constitute a violation of Alabamas consumer protection laws. In the event of non-compliance, I am prepared to pursue all available remedies, including but not limited to filing a complaint with the Alabama State Attorney Generals office, and pursuing further legal action if necessary.

Thank you for your prompt attention to this matter. I trust you will act in full compliance with federal and state regulations. 

Sincerely, XXXX XXXX XXXX

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