Consumer complaint received 2025-01-02 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: MI

Complaint narrative:
Complaint Against Experian for Non-Compliance with FCRA and Mishandling of Identity Theft Disputes To : Consumer Financial Protection Bureau Summary of Complaint : This complaint addresses Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my identity theft claims. Despite providing all legally required documentation, Experian has engaged in obstructive practices that have caused significant financial and emotional harm. 
Key Issues : 1. Refusal to Accept Valid Documentation : Experian has rejected my FTC Identity Theft Report, police report, and proof of identity ( Drivers License, Social Security Card, Utility Bill ) without explanation or justification.

2. Failure to Block Fraudulent Information : Experian has failed to block or remove fraudulent items on my credit report as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). These items include : * Fraudulent accounts such as XXXX XXXX and XXXX XXXX. 
* Unauthorized inquiries [ Attach details ].

3. Deceptive and Obstructive Practices : Experians refusal to act on valid disputes violates federal law and obstructs my ability to maintain an accurate credit report.

4. Continued Reporting of Inaccurate Information : Experians ongoing reporting of fraudulent accounts and inquiries has caused further damage to my financial reputation.

Applicable Laws : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block fraudulent items within four business days of receiving proper documentation.

2. FCRA 611 ( 15 U.S.C. 1681i ) : Mandates a reasonable reinvestigation of disputed items and correction or deletion of unverifiable information.

3. FCRA 1681e ( b ) : Obligates credit reporting agencies to ensure maximum accuracy in consumer reports. 
Harm Caused : * Financial Damage : Denial of credit opportunities due to fraudulent and inaccurate information. 
* Emotional Distress : Prolonged stress caused by Experians refusal to resolve disputes.

* Loss of Time and Resources : Repeatedly submitting documentation only to have it ignored or rejected.

Resolution Sought : 1. Immediate Removal of Fraudulent Items : Block and remove : * XXXX XXXX account * Prestige Financial account * Unauthorized inquiries. 
2. Acceptance of Documentation : Recognize my FTC Identity Theft Report, police report, and proof of identity as valid and sufficient evidence.

3. Compliance with FCRA : Ensure future disputes and identity theft claims are handled in strict compliance with federal law.

4. Monetary Compensation : Requesting compensation of {$15000.00} for the financial and emotional harm caused by Experians non-compliance and obstructive behavior.

5. Transparency : Provide a detailed written explanation of why my documentation was rejected and the internal processes used to make such decisions.

Supporting Documents : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Highlighted Credit Reports with Disputed Items * Experians Response Letter * Correspondence with Experian XXXX # : XXXX Conclusion : Experians actions and non-compliance with federal law have caused substantial harm to my financial standing and emotional well-being. I request that the CFPB investigate these practices and ensure Experian adheres to the FCRA to protect consumers from further harm. 
Thank you for your attention to this matter.

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