Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Request for Blocking and Removal of Fraudulent XXXX XXXX Credit Card Account from Credit File To Whom It May Concern : Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I am writing to formally request the immediate blocking and removal of the fraudulent XXXX 's credit card account from my credit file, as it was opened without my authority and knowledge. This unauthorized account is in direct violation of my rights as a consumer to have accurate and updated creditor information reported on my credit file, as guaranteed by the Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2023 I filed a completed report with the Federal Trade Commission ( FTC ) and submitted a police report regarding the fraudulent opening of the XXXX 's credit card account. As such, I have taken all necessary steps to report this unauthorized activity and have provided the required documentation to support my claim. Experian failure to block and remove this unauthorized account constitutes a violation of my consumer rights. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and to have such information promptly corrected or removed. By neglecting to take action on this matter, Experian is infringing upon my rights as a consumer and is failing to fulfill its obligations under the FCRA. This letter serves as my second formal request for the immediate removal of the fraudulent XXXX 's credit card account from my credit file. I demand that Experian takes the necessary steps to block and permanently remove this account within the legally mandated timeframe. Failure to do so will leave me with no choice but topursue legal and civil action to ensure that my rights as a consumer are upheld and that I am not unfairly burdened by inaccurate and unauthorized information on my credit report.I expect a prompt response to this request and confirmation of the removal of the unauthorized XXXX 's creditcard account from my credit file. Please provide written documentation of the actions taken to address this matter. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately Accounts : XXXX XXXX

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