Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
To Experian Dispute Fraud Department, Transunion Dispute Fraud Department, And Equifax Dispute Fraud Department FCRA 605 B ( 15 U.S.C. 1681c-2 ) RE : FAILURE TO BLOCK FRAUDULENT ACCOUNTS WITHIN THE REQUIRED 4-DAY PERIOD FCRA 605B VIOLATION XXXX XXXX Plaintiff, v. FTC REPORT # : [ XXXX ] Equifax, Transunion, and Experian Defendant, Identity Theft Report Filed / Immediate Corrective Action Demanded : I am writing to formally notify you that Experian is in direct violation of the mandatory 4-business-day block requirement under FCRA 605B. I submitted my Identity Theft Report, including the FTC affidavit and all supporting documents, and Experian, Equifax, and Transunion has exceeded the statutory time limit required to block fraudulent information.

I have already filed an FTC Identity Theft Report, and my report number is : FTC Report # : [ XXXX ] Proof of Semi Compliance from Equifax & Transunion : Attached to this letter are my updated Equifax and TransUnion credit reports, which show that both bureaus have already removed the XXXXXXXX XXXX XXXX accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX two of the four fraudulent accounts listed in my Identity Theft Report. This confirms the validity of my identity theft claim and demonstrates that the information is fraudulent and must be blocked.

Experian is equally required under FCRA 605B to remove the remaining fraudulent accounts, including XXXX XXXX and XXXX XXXX, yet you have failed to block these items or comply with the 4-day statutory deadline. Your continued reporting of these fraudulent accounts places you in direct violation of federal law.

I will also be reaching out to Equifax and TransUnion to ensure the remaining two accounts from my Identity Theft Report ( XXXX  XXXX and XXXX  XXXX ) are removed promptly, just as they removed the XXXX and XXXX  accounts. Experian must follow the same legal standard and comply immediately. 

This serves as clear evidence that : The accounts in question are fraudulent. 

Your competitor agencies have followed federal law. 

Experian is refusing to comply with the same legal standards.

Despite the documented identity theft and the removal by the other CRAs, Experian continues to report all four fraudulent accounts, violating : FCRA 605B ( a ) ( c ) Your duty to block identity-theft-related information within 4 business days Your duty to cease reporting any information resulting from identity theft Harm Caused by Experians Non-Compliance Experian, Equifax, and Transunion failure to remove these accounts has caused and continues to cause : Severe emotional XXXX  Interference with my ability to obtain stable housing for my household Financial harm and disruption to my livelihood Damage to my creditworthiness during an identity theft crisis This prolonged harm is entirely due to Experians refusal to meet its legal obligations under federal law. 


Notice of Escalation : This message serves as my written instructions and demand. 

If Experian, Transunion, And Equifax does not remove all four accounts immediately, I will escalate this matter to : Pursue claims for willful non-compliance under 15 U.S.C. 1681n, including damages.

My State Attorney General, This letter constitutes final notice. I expect full statutory compliance and written confirmation within 48 hours of receipt. 


Disputed Account Information : Creditor : XXXX  XXXX Account XXXX Nature of Dispute : Identity theft / Fraudulent account Instructed Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B Creditor : XXXX  XXXX Account XXXX Nature of Dispute : Identity theft / Fraudulent account Instructed Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B Creditor : XXXX XXXX XXXX Account XXXX Nature of Dispute : Identity theft / Fraudulent account Instructed Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B Removed From Equifax And Transunion- Proof Of Claim Creditor : XXXX XXXX  Account XXXX Nature of Dispute : Identity theft / Fraudulent account Instructed Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B Removed From Equifax And Transunion Proof Of Claim

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