Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft ( a ) Block 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. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

( c ) XXXX to decline or rescind A consumer reporting agency XXXX decline to block, or XXXX rescind any block of, information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( XXXX ) the information was blocked due to a misrepresentation of fact by the consumer relevant to the request to block ; ( XXXX ) the consumer agrees that the blocked information or portions of the blocked information were submitted in error; or ( XXXX ) the consumer knowingly obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

If a block of information is rescinded under this subsection, the consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. 

( d ) Exception for resellers This section shall not apply to a consumer reporting agency, if the agency is acting as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple agencies, and does not maintain a permanent database of credit information from which new consumer reports are produced. 

However, a reseller shall be responsible for blocking the information identified by the consumer under subsection ( a ) in any report produced by the reseller. 

( XXXX ) Exception for verification companies The provisions of this section do not apply to check services companies, acting as such, which issue authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payment, or to fraud prevention services companies, acting as such, which issue reports for the purpose of preventing or investigating fraud.

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