Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX SSN : XXXX XXXX : XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX  XXXX XXXX TX XXXX Subject : Formal Dispute and Demand for Removal of Fraudulent Accounts Identity Theft Report To Whom It May Concern : Experian I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning the following accounts appearing on my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXX XXXX Account Type : Charge Card Opened : XX/XX/XXXX Status : Closed, charged off ; {$320.00} written off ; {$120.00} past due as of XX/XX/XXXX. 
Contact : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, NV XXXX Fraudulent Nature of the Accounts These accounts were opened fraudulently as a result of identity theft. As proof, I have included the following : Police Report : XXXX Police Department ( Incident Number : XXXX ). 
FTC Identity Theft Report : Report Number : XXXX. 

Legal Violations Identified In addition to disputing the validity of these accounts, I am notifying you of the following legal violations that pertain to my case : 1. Failure to Remove Fraudulent Information ( 15 U.S.C. 1681c-2 ( a ) ) : Under federal law, disputed fraudulent information must be blocked or removed within four business days of receiving sufficient evidence.

2. Failure to Comply with Verification Standards ( 15 U.S.C. 1681i ( 7 ) ) : Any verification methods used appear inadequate or flawed.

3. Negligent Non-Compliance ( 15 U.S.C. 1681o ) : Failure to investigate thoroughly and promptly constitutes negligence.

4. Willful Non-Compliance ( 15 U.S.C. 1681n ) : Ongoing reporting of fraudulent accounts despite sufficient documentation demonstrates willful disregard of the law.

5. Defamation of Character : The inclusion of fraudulent accounts has negatively impacted my creditworthiness and reputation.

6. Negligent Enhancement of Identity Fraud : Failure to address these inaccuracies perpetuates harm caused by identity theft.

7. Violation of FDCPA Requirements ( 15 U.S.C. 1692g ) : Reporting unvalidated accounts breaches permissible purposes and obligations under the FDCPA.

Demand for Immediate Action I hereby request that you : 1. Block and remove the fraudulent accounts as required under FCRA 605B.

2. Provide me with a detailed explanation of any investigation conducted, including all documentation used to verify these accounts.

3. Supply a copy of the full method of verification and any supporting records.

Notice of Legal Action Failure to comply with this dispute in accordance with the FCRA and FDCPA will result in escalation. Specifically, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and seek damages of {$1000.00} per violation in small claims court.

Metro 2 Format Submission This document is formatted to meet Metro 2 standards. Should additional details be required for processing, please notify me immediately. 

Thank you for your immediate attention to this matter. I expect a resolution and confirmation of removal within 30 days, as mandated by federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX Enclosures : FTC Identity Theft Report Police Report

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