Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
Subject : Complaint Regarding Experians Non-Compliance with Identity Theft Block Requests Dear Sir/Madam, I am writing to formally file a complaint against Experian for their continued failure to block fraudulent information from my credit report, despite my submission of multiple identity theft block requests. This ongoing issue has caused significant distress and inconvenience, as Experian has consistently denied my requests even though I have provided all the required information as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details of My Complaint 1. Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my drivers license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX for the past two years.

A Federal Trade Commission ( FTC ) Identity Theft Affidavit.

A police report confirming the identity theft.

2. Denied Requests : Despite providing the above documents, Experian has denied my requests to block fraudulent information. Instead, they have treated my block requests as disputes and returned them as verified without any context or proof that the debts belong to me. 
3. Improper Verification Process : Experian has failed to conduct proper investigations. For instance, certain accounts listed on my report were verified by Experian, even though the respective creditors had already confirmed with me that they requested the information to be removed. It has taken several resubmissions by the creditors for Experian to finally remove the information, which is not in accordance with the law. 

Accounts in Question The fraudulent accounts that need to be blocked are : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) Experians actions violate several provisions of the FCRA, including but not limited to : 1. Section 605B ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

2. Section 611 ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information.

3. Section 623 ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information.

Request for Immediate Action I respectfully request that Experian : 1. Block all fraudulent information from my credit report as required by law.

2. Provide written confirmation that the fraudulent accounts have been blocked.

3. Cease any further reporting of these fraudulent accounts to all credit reporting agencies.

I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

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