Consumer complaint received 2025-09-26 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: TN

Complaint narrative:
In XXXX I previously submitted an identity theft report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), which requires consumer reporting agencies to block identity theft-related information from a consumer report within four business days of receiving such notice.

Despite this, the account ( s ) in question are still being reported or have reappeared.

Please be advised of the following : 1. These accounts were allegedly opened online and not in person. 
XXXX. There exists no legally admissible, incriminating evidence proving that I personally applied for or opened these accounts. 
XXXX. The mere belief or opinion of a creditor that I am responsible is not sufficient proof under federal law. Absent definitive evidence, such as an in-person application with signature verification, these accounts can not be tied to me with certainty.

Under federal law, you are required to block such information within four ( 4 ) business days of receiving notice. To date, you have failed to comply, leaving fraudulent information on my credit report. This constitutes a willful violation of the Fair Credit Reporting Act.

If the company furnishing this information informs you that it is reported accurately please provide me with all documents that prove that claim and describe how you verified the authenticity of the documents including the name address and telephone number of the furnisher.

I will also require for the purpose of discovery that all information from the furnisher be signed in ink by an officer of the company with the corporate seal Or notarized with direct contact information.

I will also require that for the purpose of discovery that all responses by your agency be signed in ink by an officer of the company with the corporate seal or notarized with direct contact information.

Be advised that under 15 U.S.C. 1681n, willful violations of the FCRA entitle me to : 1. Actual damages, including harm to my creditworthiness, denial of credit, and emotional distress ; XXXX. Statutory damages ranging from {$100.00} to {$1000.00} per violation ; XXXX. Punitive damages, in cases of intentional noncompliance ; and XXXX. Recovery of attorneys fees and court costs. 
Accordingly, I demand that within XXXX calendar days of receipt of this letter : XXXX. All fraudulent and identity-theft-related accounts be immediately blocked from my consumer report ; XXXX. Written confirmation of compliance be provided ; and XXXX. All necessary corrections to my consumer report be completed. 
Failure to comply will result in immediate legal action, including filing a lawsuit in federal court to enforce my rights under the FCRA. This action will seek all available remedies, including statutory and punitive damages, in addition to attorneys fees and costs. 
This is your final opportunity to comply voluntarily and avoid litigation. 
i am documented everything to prepare for court to show willful negligence

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