Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Account Due to Verified Identity Theft To the Compliance Team : I trust this correspondence finds you well. I am reaching out regarding an urgent matter that necessitates your immediate attention. I recently received communication from XXXX XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX, the current owner of an account originally established with XXXX. The letter, dated XX/XX/XXXX, confirms the closure of this fraudulent account ( Account XXXX : XXXX ) following an investigation into my identity theft claim. They have requested the deletion of their tradeline from all credit reporting agencies, including XXXX. 

Given the gravity of this situation, it is imperative that XXXX promptly removes the aforementioned account from my credit report. The continued presence of this erroneous information on my credit file not only contravenes my rights under federal law but also causes ongoing and undue harm. 

Legal Basis for Removal : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( 15 U.S.C. 1681c-1 ) : This provision allows consumers who are victims of identity theft to block fraudulent information from their credit reports. Given that the account in question has been verified as fraudulent by the data furnisher, it is your legal obligation to expeditiously remove this information. 
Section 611 ( 15 U.S.C. 1681i ) : This section mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information, particularly when the dispute is supported by substantial evidence, as is the case here. The evidence provided by XXXX XXXX XXXX XXXX should compel XXXX to act without delay. 
XXXX. Federal Trade Commission ( FTC ) Guidelines : The FTC emphasizes the responsibility of credit reporting agencies to take swift action in removing fraudulent accounts once they have been identified and confirmed by the data furnishers. The FTCs identity theft recovery guidelines also underline the necessity for such erroneous data to be removed to prevent further consumer harm. 
XXXX. California Consumer Credit Reporting Agencies Act ( CCCRAA ) : Section XXXX ( k ) : As a resident of California, I am also protected under the CCCRAA, which reinforces the need for immediate deletion of inaccurate, incomplete, or unverifiable information from credit reports. The law is explicit in requiring credit reporting agencies to adhere strictly to the instructions of data furnishers, especially in cases of identity theft. 

Supporting Documentation : Enclosed with this letter, you will find the following documents for your review : The original letter from XXXX XXXX XXXX XXXX, confirming the closure of the fraudulent account and the request for tradeline deletion. 
A copy of my FTC Identity Theft Report ( Report XXXX : XXXX ). 
A police report documenting the identity theft incident. 

Conclusion : Given the incontrovertible evidence presented and the clear legal mandates, I demand the immediate removal of the XXXX account XXXX Account XXXX : XXXX ) from my XXXX credit report. The failure to comply with this request within the legally stipulated timeframe will leave me with no choice but to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for willful non-compliance with federal and state laws. 

Please confirm in writing the removal of this fraudulent account from my credit report at your earliest convenience. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Account Due to Verified Identity Theft To the Compliance Team : Experian and XXXX I trust this correspondence finds you well. I am reaching out regarding an urgent matter that necessitates your immediate attention. I recently received communication from XXXX XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX, the current owner of an account originally established with XXXX. The letter, dated XX/XX/XXXX, confirms the closure of this fraudulent account ( Account XXXX : XXXX ) following an investigation into my identity theft claim. They have requested the deletion of their tradeline from all credit reporting agencies, including Experian. 

Given the gravity of this situation, it is imperative that Experian promptly removes the aforementioned account from my credit report. The continued presence of this erroneous information on my credit file not only contravenes my rights under federal law but also causes ongoing and undue harm. 

Legal Basis for Removal : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( 15 U.S.C. 1681c-1 ) : This provision allows consumers who are victims of identity theft to block fraudulent information from their credit reports. Given that the account in question has been verified as fraudulent by the data furnisher, it is your legal obligation to expeditiously remove this information. 
Section 611 ( 15 U.S.C. 1681i ) : This section mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information, particularly when the dispute is supported by substantial evidence, as is the case here. The evidence provided by XXXX XXXX XXXX XXXX should compel Experian to act without delay. 
XXXX. Federal Trade Commission ( FTC ) Guidelines : The FTC emphasizes the responsibility of credit reporting agencies to take swift action in removing fraudulent accounts once they have been identified and confirmed by the data furnishers. The FTCs identity theft recovery guidelines also underline the necessity for such erroneous data to be removed to prevent further consumer harm. 
XXXX. California Consumer Credit Reporting Agencies Act ( CCCRAA ) : Section XXXX ( k ) : As a resident of California, I am also protected under the CCCRAA, which reinforces the need for immediate deletion of inaccurate, incomplete, or unverifiable information from credit reports. The law is explicit in requiring credit reporting agencies to adhere strictly to the instructions of data furnishers, especially in cases of identity theft. 

Supporting Documentation : Enclosed with this letter, you will find the following documents for your review : The original letter from XXXX XXXX XXXX XXXX, confirming the closure of the fraudulent account and the request for tradeline deletion. 
A copy of my FTC Identity Theft Report ( Report XXXX : XXXX ). 
A police report documenting the identity theft incident. 

Conclusion : Given the incontrovertible evidence presented and the clear legal mandates, I demand the immediate removal of the XXXX account XXXX Account XXXX : XXXX ) from my Experian credit report. The failure to comply with this request within the legally stipulated timeframe will leave me with no choice but to escalate this matter, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for willful non-compliance with federal and state laws. 

Please confirm in writing the removal of this fraudulent account from my credit report at your earliest convenience. 

Sincerely, XXXX 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