Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, which mandates the prompt removal of inaccurate or fraudulent information upon proper dispute. I am a victim of identity fraud, and despite repeated efforts to have a fraudulent XXXX account ( Account # XXXX ) removed from my credit report, Experian has refused to complyeven after the furnisher, XXXX XXXX XXXX XXXX, has confirmed the account is fraudulent and requested its deletion multiple times. 

Background of the Issue 1. I discovered the fraudulent XXXX account ( XXXX ) on my Experian credit report and disputed it as identity theft. 
XXXX. XXXX XXXX conducted an investigation and confirmed that I am not responsible for this account. 
XXXX. XXXX XXXX has repeatedly requested Experian to remove the fraudulent account from my report. 
XXXX. Despite XXXX  direct requests and my own disputes, Experian refuses to remove the account, harming my credit and violating my rights under FCRA 1681i ( Failure to Reinvestigate Disputes ) and 1681c-2 ( Blocking of Information Resulting from Identity Theft ). 
XXXX. I have received a letter from XXXX XXXX stating they have asked Experian to delete the account multiple times, yet Experian refuses to do so. 

FCRA Violations by Experian FCRA 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a proper reinvestigation of disputed accounts. Experian has failed to do so. 
FCRA 1681s-2 ( a ) ( XXXX ) Requires furnishers to notify credit bureaus of inaccuracies. XXXX XXXX has done this, yet Experian continues to report false data. 
FCRA 1681c-2 ( a ) Mandates that credit bureaus block fraudulent accounts once reported as identity theft. Experian has ignored this law. 
FCRA 1681n Experian is now willfully violating the FCRA, making them liable for damages, including statutory penalties of {$1000.00} per violation, punitive damages, and attorney fees. 

CFPB Lawsuits Prove Experians Systemic Violations The CFPBs lawsuit against Experian ( Case No. XXXX ) has already established a pattern of noncompliance, including failure to : Properly investigate consumer disputes. 
Remove fraudulent information when requested by furnishers. 
Comply with the FCRAs accuracy and reinvestigation requirements. 

Experians refusal to delete this fraudulent account despite the furnishers repeated requests is yet another clear violation of federal law and proof that they are engaged in unfair and deceptive credit reporting practices. 

I have attached copies of XXXX XXXX letter confirming their requests for deletion, my prior dispute letters, and a copy of my credit report highlighting the fraudulent account. 

I request that the CFPB take immediate action to hold Experian accountable and force them to remove this fraudulent account from my file without further delay.

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