Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally re-complain regarding the account listed under the name [ Account Name ], account number [ Account Number ], as it appears on my credit report. This account, listed as " XXXX XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX XXXX XXXX, '' is fraudulent and a result of identity theft. 

Previously, I submitted a dispute along with all required documentation, including proof of my identity, an identity theft report ( FTC Report Number : XXXX ), identification of the fraudulent information, and a statement asserting that the information is not related to any transaction by me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block any information that is the result of identity theft within 4 business days of receiving these documents. You can not reject my request for blocking this information unless one of the following conditions applies, but since I stated that none of these apply, it is illegal to withhold my rights under the Fair Credit Reporting Act by rejecting to block when I have provided my affidavit : The information was blocked in error or the request was made in error. 

The block was based on a material misrepresentation of fact by me. 

I obtained goods, services, or money as a result of the blocked transaction. 

To further clarify, my request for blocking this information : Affidavit I hereby affirm that the information provided in this complaint is accurate and truthful to the best of my knowledge. I have provided all the necessary documentation and none of the exceptions for rejecting my dispute apply. To further clarify, my request for blocking this information : Was not made in error : The information was not blocked in error or requested in error. 

Was not based on a material misrepresentation of fact by me : The request is accurate and truthful. 

Did not result in me obtaining goods, services, or money : I did not benefit from the fraudulent transaction. 

This fraudulent account does not link to any of my addresses on file. 

I hereby reaffirm that none of these conditions apply. According to Section 605B ( 15 U.S.C. 1681c-2 ), Experian must block the fraudulent information from my credit report within 4 business days of receiving the required documentation. This means that Experian does not have the right to reject my request based on the conditions stated above, given that I have complied with all the necessary requirements and none of these exceptions apply. 

Additionally, if Experian decides not to block the information based on an exception, they must promptly notify me, citing the specific reasons for their decision. However, since I have provided all necessary documentation and affirmed that the exceptions do not apply, Experian is legally obligated to block the fraudulent information. 

Your failure to block the fraudulent information within the 4-day timeframe is a violation of the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

Relevant Law : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA : Consumers have the right to access their credit reports and dispute inaccurate or incomplete information. 

Credit reporting agencies must investigate disputes and correct any inaccuracies. 

Credit reporting agencies are required to ensure the information they report is accurate and complete. 

Consumers have the right to know when their credit report has been used against them in decisions related to credit, employment, insurance, or other benefits. 

The law includes provisions to help consumers protect themselves from identity theft, such as the ability to place fraud alerts and freeze their credit reports. 

I have already submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter on XX/XX/year>, Case Number : XXXX. I request that you immediately block the fraudulent accounts from my credit report and send me written confirmation of the actions taken. If this issue is not resolved promptly, I will escalate the matter further to ensure my rights are protected under the law. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely,

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