Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18234050
Complaint Overview
Complaint ID: 18234050
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 28208
Date Received: 2025-12-22T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my second CFPB complaint regarding Experian Information Solutions , Inc.s failure to comply with the Fair Credit Reporting Act after receiving a valid Identity Theft Report. On XX/XX/2025, I submitted a CFPB complaint requesting the immediate blocking and permanent removal of multiple fraudulent accounts pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). My submission included all documentation required by law, including FTC Identity Theft Reports, government-issued identification, proof of address, and supporting breach evidence. Despite receipt of this information, Experian did not block the identity-theft accounts within four ( 4 ) business days, as required by statute. Instead, Experian issued a generic interim response stating that it was reviewing the matter and redirected me to standard dispute channels. FCRA 605B does not permit delay, reinvestigation, or redirection to dispute processes once a valid Identity Theft Report is received. Experian also failed to identify any statutory basis under 605B ( c ) to refuse blocking, such as error, misrepresentation, or consumer authorization. As of today, the fraudulent accounts remain on my Experian credit file, and Experian has provided no written confirmation of compliance with 605B. This conduct constitutes : Failure to comply with mandatory identity-theft blocking requirements Failure to maintain reasonable procedures under FCRA 607 ( b ) Continued consumer harm after verified notice of identity theft
Frequently Asked Questions
What is Complaint #18234050 about?
Complaint #18234050 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-22T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.