Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to file a formal and urgent complaint against the credit reporting agencies that continue to report fraudulent and unauthorized information on my credit report, despite multiple disputes and legal notice. This letter serves as my third attempt to resolve this matter regarding the following account : Fraudulent Account : XXXX XXXX XXXX Date Opened : XXXX/2025 Violations of Federal Law This fraudulent account violates several federal statutes under the Fair Credit Reporting Act ( FCRA ) and Regulation F, which were designed to protect consumers like me. The following laws have been blatantly ignored : 1. Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 USC 1681g ( a ) ( 1 ) ( A ) ] This section grants me the legal right to receive a complete disclosure of all information in my credit file. Despite requesting validation and the source of this account, I have received no documentation proving I authorized or opened this account.

2. 12 CFR 1006.34 ( b ) ( 5 ) Regulation F This regulation requires debt collectors to provide clear and complete validation of a debt upon request. The furnisher of this account has failed to provide this validation. Therefore, continued reporting of this item is not only inaccurate but also unlawful.

3. 15 USC 1681 The general purpose of this section is to ensure fair and accurate credit reporting. Reporting a fraudulent account without proper investigation directly contradicts the statute 's intent and causes unwarranted damage to my credit and reputation. 

4. 15 USC 1681i ( a ) Reinvestigation of Disputed Information Once a consumer disputes information, the credit bureaus must conduct a reasonable reinvestigation within 30 days. I submitted a proper dispute, yet the account remains with no valid documentation provided. 

5. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) The law requires that if the investigation finds the information disputed is inaccurate or unverifiable, the item must be deleted promptly. The account in question is unverifiable, yet it still appears.

6. 15 USC 1681 ( a ) ( 5 ) ( B ) This law mandates the removal of inaccurate, incomplete, or unverifiable information. Since XXXX XXXX XXXX has not validated this debt in accordance with federal law, it must be removed immediately. 

Legal Action Imminent I hereby put all credit reporting agencies and furnishers of this fraudulent account on formal notice : If this account is not removed within 15 days, I will pursue legal action against all responsible parties under the Fair Credit Reporting Act and other applicable laws. I am entitled to {$1000.00} per violation, and if necessary, I will seek additional compensation for damages due to emotional distress and financial hardship, including my inability to secure housing or financial services. 

Relief Requested : Immediate removal of the fraudulent account ( XXXX XXXX XXXX ) from all credit bureaus. 

Written confirmation of deletion sent to my mailing address and email. 

Explanation of how this error occurred and steps taken to prevent it from happening again. 

Please consider this my formal demand to resolve this issue as required by federal law. A copy of this complaint is being forwarded to the Federal Trade Commission ( FTC ) and the Attorney General of XXXX  as part of a broader legal escalation if this matter is not promptly and satisfactorily resolved.

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