Consumer complaint received 2024-12-15 00:00:00
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.
State: FL

Complaint narrative:
Subject : Letter of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally notify you of my intent to file a lawsuit against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning your failure to block and remove inaccurate and fraudulent information from my credit report related to a fraudulent XXXX account. 

As a victim of identity theft, my personal information was unlawfully used to open this fraudulent account. Additionally, my mail was fraudulently redirected to the perpetrator 's address, further exacerbating the situation. Once I discovered these violations, I promptly reported the incident to the police and the U.S. Postal Service to rectify the mail fraud issue. To safeguard my identity, I also enrolled in a credit monitoring system. 

The FCRA mandates that a consumer reporting agency must block reporting of information resulting from identity theft within four ( 4 ) business days of receiving proper notification from the affected consumer. I have complied with all requirements under the FCRA, including submitting : An identity theft report filed with the FTC, Proper identification. 
Despite meeting all legal obligations and formally notifying Experian of the fraudulent XXXX account, more than four business days have passed, and this account remains on my credit report. This non-compliance violates the FCRA, specifically 15 U.S.C. 1681c-2, which explicitly outlines the process and timeline for blocking such information. 

Moreover, I have identified additional inaccuracies in how this account is reported. The address associated with the XXXX account is not mine and is not listed on my credit report, further demonstrating its fraudulent nature. The account is marked as " charged off '' and " written off, '' indicating that the creditor obtained a tax write-off for the alleged amount. Under federal law, it is unlawful for a creditor to receive a tax write-off and subsequently report an outstanding balance, making the reporting both deceptive and inaccurate. The FCRA ( 15 U.S.C. 1681e ( b ) ) requires that all information on a consumer 's credit report be 100 % accurate, a standard which Experian has failed to meet in this instance. 

I am once again submitting a copy of my identity theft report along with proper identification. I am demanding that Experian permanently delete and remove the fraudulent XXXX account from my credit report immediately. If this matter is not resolved promptly, I will proceed with filing a lawsuit against your company in the XXXX XXXX XXXX XXXX XXXX XXXX, Florida, to seek damages for your violations of the FCRA. 

Please consider this letter your final notice to rectify this situation. Should this issue remain unresolved, I will also seek statutory damages, punitive damages, and attorney 's fees as allowed under the FCRA. 

I look forward to your prompt response and resolution. 

Sincerely, 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