Experian failed to comply with federal law after receiving a valid FTC Identity Theft Report. Under the Fair Credit Reporting Act (15 U.S.C. §§1681c-2/605B, 1681e, 1681i(a)(7), 1681b, 1681s-2(a)(6)), identity-theft information must be blocked and deleted within four days. Experian continued reporting anyway and relied on non-legal excuses like “internal procedures.” Re-insertion is unlawful without a court order. This issue has been escalated to the FTC, BBB, CFPB, and publicly on X. Immediate deletion and written confirmation are required.
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