Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
Subject : Rebuttal to Experians Fraudulent Claim Regarding My Police Report ( see attachments ) Dear Consumer Financial Protection Bureau, I am formally rebutting Experians baseless claim that my police report is not valid and disputing their continued violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). Despite providing a valid police report ( XXXX XXXX Police Report # XXXX ) and an FTC Identity Theft Report ( # XXXX ), Experian has unlawfully refused to block fraudulent accounts, falsely asserting that my identity theft claim was made in error. 

Experians Violations of Federal Law 1. Failure to Block Fraudulent Accounts ( FCRA 605B ) Under FCRA 605B, credit reporting agencies must block fraudulent information within four ( 4 ) business days upon receiving a valid identity theft report. The law explicitly requires : A copy of an identity theft report Proper identification Identification of fraudulent accounts I have submitted all required documentation, including : A valid police report ( # XXXX ) filed with XXXX XXXX Police FTC Identity Theft Report ( # XXXX ) A detailed list of fraudulent accounts Experians refusal to comply directly violates FCRA 605B, as they have failed to provide any legitimate basis for rejecting a law enforcement-generated identity theft report.

2. False and Deceptive Practices ( FCRA 1681s-2 & 15 U.S.C. 45 FTC Act ) Experians claim that my police report is not real is a deliberate misrepresentation designed to avoid compliance with federal law. Under FCRA 1681s-2, credit reporting agencies and furnishers must not report information they know to be inaccurate. Additionally, under 15 U.S.C. 45 ( FTC Act ), deceptive business practices are illegal. Experians refusal to block fraudulent accounts despite receiving legally sufficient documentation is a clear violation of these statutes.

3. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) Rather than conducting a proper reinvestigation, Experian has issued a template response, failing to : Contact the XXXX XXXX Police Department to verify the report. 

Provide any evidence that my claim is invalid. 

Address my specific disputes with individualized attention. 

This pattern of automated denials and refusal to investigate violates FCRA 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 

Fraudulent Accounts Still Listed on My Experian Report Despite my multiple disputes, the following fraudulent accounts remain on my credit report, further demonstrating Experians failure to comply with federal law : XXXX XXXX XXXX Date Opened : XXXX/XXXX/2021 Balance : {$0.00} XXXX XXXX  Date Opened : XX/XX/year>2021 Balance : {$6400.00}

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