Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7144533
Complaint Overview
Complaint ID: 7144533
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Minnesota
ZIP Code: 55125
Date Received: 2023-06-20T12:00:00-05:00
Date Sent to Company: 2023-06-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023 I sent XXXX a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once XXXX receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. XXXX sent me a letter on XX/XX/2023 stating my request to block was denied due to my request being made in error. There is no way that XXXX can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If XXXX does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. In addition on XX/XX/2023 I spoke with a representative from XXXX XXXX XXXX XXXX who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once XXXX receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report XXXX MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that XXXX is not following the FCRA guidelines that are established to help consumers in these troubled times. XXXX is Violating FEDERAL LAW I have also contacted experian about this and they are saying my police report is invalid which is unacceptable.
Frequently Asked Questions
What is Complaint #7144533 about?
Complaint #7144533 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-06-20T12:00:00-05:00.
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, credit repair services, 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.