Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Date : XXXX Experian Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : URGENT Dispute of Inaccurate Information Request for Immediate Deletion of Fraudulent Account Account Number : XXXX Original Creditor : XXXX XXXX Current Owner : XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file regarding the account listed above. Please note that I have previously disputed this account, and I am providing new, compelling evidence that supports my claim and demands an immediate deletion of the tradeline. The account, originally listed as XXXX XXXX XXXX was fraudulently opened and has been officially closed and written off following an investigation. Below, I provide detailed legal references, facts, and evidence that should lead to the immediate deletion of this account from my credit report.

Errors and Violations of Federal Law : 1. Inaccurate Creditor Information : Your report lists XXXX XXXX XXXX XXXX creditor, yet as of XX/XX/year>, the account has been owned by XXXX XXXX XXXX XXXX Under FCRA Section 1681e ( b ), credit reporting agencies must maintain accurate information on a consumers credit report. This failure to reflect the current owner is a clear violation of this federal regulation.

2. Failure to Delete the Tradeline Post-Investigation : Following an inquiry with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( the servicer of XXXX XXXX XXXX ) conducted a thorough fraud investigation and issued a written confirmation dated XX/XX/year>. This letter confirms that the account has been closed, will not be sold, and a request for deletion has been submitted to the credit bureaus.

As per FCRA Section 1681i ( a ) ( 1 ), you are required to investigate disputed information and make necessary corrections within 30 days of receiving the dispute. You are currently in violation of this requirement, as the account remains inaccurately reported on my credit report even after I provided evidence supporting my fraud claim.

3. Misrepresentation of Account Status : The account is incorrectly reported as charged off with a write-off of {$84.00}, with the status updated to XX/XX/year>. This reporting is not only inaccurate but also outdated. Failing to promptly update and correct the account status violates FCRA Section 1681s-2 ( b ), which mandates that furnishers of information, including XXXX and XXXX XXXX, report accurate data to credit reporting agencies. The status should have been updated to reflect the closure and deletion of this fraudulent account.

4. Failure to Address Fraudulent Activity : The FCRA Section 1681c ( a ) ( 6 ) explicitly requires that accounts linked to fraud or identity theft claims be properly marked or deleted from consumer reports. You have failed to mark this account as fraudulent, despite receiving the necessary documentation proving that this account was opened fraudulently and should no longer appear on my credit file. 

Evidence Enclosed : I have enclosed the following documents for your reference and review : Letter from XXXX XXXX XXXX ( dated XX/XX/year> ) : This letter confirms that XXXX XXXX XXXX owns the account, that the account has been closed due to fraud, and that a request for deletion has been submitted to the credit bureaus. 

XXXX XXXX & XXXX XXXX XXXX : To ensure this dispute is processed correctly through your automated system ( XXXX ), I am submitting the following XXXX XXXX format codes for immediate removal of this tradeline. Please ensure that your system applies these updates promptly : Compliance Condition Code : XXXX ( Confirmed Identity Theft/Fraud ) Account Status : XXXX ( Delete from Credit Report ) Special Comment Code : XXXX  ( Delete Due to Dispute ) ECOA Code : XXXX  ( Delete Consumer Dispute Resolved ) Next Steps : I request that you immediately delete this tradeline from my credit report as required under the FCRA, and notify me in writing once this correction has been made. In the event that this issue is not resolved within the legally required time frame, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the Fair Credit Reporting Act ( FCRA ).

I look forward to your prompt attention to this matter and expect the correction of my report within 30 days of this notice.