Consumer complaint received 2025-08-06 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:
This letter constitutes a final legal demand regarding your willful and ongoing violation of the Fair Credit Reporting Act Section 605B, 15 U.S.C. 1681c-2, concerning identity theft. Your company has flagrantly disregarded federal law by failing to block fraudulent information from my credit file despite receiving a complete and valid FTC Identity Theft Report with all required supporting documentation. 

On XX/XX/XXXX, I submitted a comprehensive identity theft complaint through the CFPB, including a complete FTC Identity Theft Report and all required supporting documentation including government-issued ID, Social Security card, proof of address, and credit reports showing the disputed fraudulent items. Under FCRA 605B ( a ) ( 1 ), you are legally required to block the reporting of any information that a consumer identifies as resulting from identity theft within 4 business days of receiving proper documentation. You have failed to comply with this mandatory federal requirement. 

Your response dated XX/XX/XXXX- which arrived three days before you even received my FTC Identity Theft Report - is legally invalid and can not be treated as compliance with 605B. This pre-dated response demonstrates either gross incompetence in your record-keeping systems or willful disregard for proper identity theft procedures. Furthermore, your subsequent form letter responses and the fraud alert placement shown in your XX/XX/XXXX correspondence do not satisfy your legal obligations under 605B. Adding a fraud alert is not equivalent to blocking fraudulent information as required by federal law.

Your company has committed multiple willful violations of FCRA 605B. First, under 15 U.S.C. 1681c-2 ( a ) ( 1 ), you failed to block the disputed information within 4 business days of receiving proper documentation. This is a mandatory requirement with no exceptions for " investigation '' or " verification. '' Second, under 15 U.S.C. 1681c-2 ( a ) ( 4 ), you failed to promptly notify the furnisher of information that the information is blocked due to identity theft. Third, under 15 U.S.C. 1681c-2 ( b ), you failed to decline to accept any information from a furnisher regarding the blocked information unless the furnisher certifies that the information is complete and accurate. Fourth, your continued reporting of fraudulent information after receiving valid identity theft documentation constitutes willful noncompliance under 15 U.S.C. 1681n. 

The fraudulent items that must be immediately and permanently blocked and removed from my credit file are as follows. Fraudulent accounts that I did not open or authorize : XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX. Unauthorized hard inquiries that I did not initiate : XXXXXXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX. These items are the direct result of identity theft and must be blocked immediately under federal law.

I hereby demand that you immediately provide documentation of your compliance with 605B requirements, including proof that you have blocked all fraudulent information within the required 4 business days, notification records sent to furnishers regarding the blocked information, and confirmation that no reinserted information will be accepted without proper certification from furnishers. Additionally, provide your complete identity theft processing file including all internal communications, procedures followed, and decision-making records explaining your failure to comply with mandatory blocking requirements.

Your failure to comply with 605B is not a matter of discretion or interpretation- it is a willful violation of federal law with severe penalties. Under 15 U.S.C. 1681n, willful noncompliance with FCRA provisions subjects your company to statutory damages ranging from {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. Given the multiple fraudulent accounts and inquiries involved, your potential liability exposure is substantial. 

I demand immediate and permanent removal of all fraudulent items listed above from my Experian credit file, written confirmation of blocking and removal within 48 hours, notification to all third parties who received my credit report in the past 12 months regarding the removal of fraudulent information, and production of all identity theft processing documentation within 5 business days.

This is your final opportunity to comply with federal law before I pursue all available legal remedies. If you fail to provide written confirmation of compliance within 48 hours of receipt of this letter, I will immediately file a federal lawsuit under 15 U.S.C. 1681n seeking maximum statutory damages, punitive damages, actual damages, and attorney fees. I will also file complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and state attorney general documenting your willful violation of identity theft protection laws.

Your pattern of ignoring 605B requirements while sending form letters and irrelevant fraud alerts demonstrates a systematic disregard for consumer protection laws. This conduct warrants aggressive legal action and regulatory intervention. The law is clear, my documentation is complete, and your violations are willful and ongoing.

Your company 's liability exposure is severe and immediate. Identity theft victims are afforded special protections under federal law, and your failure to honor these protections constitutes one of the most serious violations of the FCRA. I will pursue maximum damages and penalties available under the law.

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