Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
Demand for Immediate Deletion Fraudulent Account : XXXX XXXX XXXX XXXX Account Information Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Timeline of Disputes and Complaints Filed XXXX XXXX  Experian : XX/XX/XXXX CFPB Complaint # XXXX XX/XX/XXXX CFPB Complaint # XXXX XX/XX/XXXX CFPB Complaint # XXXX XXXX XXXX  XXXX : XX/XX/XXXX CFPB XXXX XXXX XXXX XX/XX/XXXX CFPB Complaint # XXXX XX/XX/XXXX CFPB Complaint # XXXX XXXX XXXX XXXX  : XX/XX/XXXX CFPB Complaint # XXXX XX/XX/XXXX CFPB Complaint XXXX XXXX XX/XX/XXXX CFPB Complaint # XXXX XX/XX/XXXX Disputed, verified, and removed from XXXX  report Fraud Alert & Identity Theft Report : XX/XX/XXXX FTC Identity Theft Report # XXXX filed confirming that this XXXX XXXX XXXX XXXX account was opened and/or used fraudulently. 

Specific Account Inaccuracies on Experian Report 1. Fraudulent Account Reporting This XXXX XXXX XXXX XXXX account was included in my FTC Identity Theft Report filed on XX/XX/XXXX ( Report # XXXX ). Under the FCRA and FACTA Identity Theft provisions, once you have received this report and a valid identity theft affidavit, you must delete all reporting of the fraudulent account. Experian has failed to do so.

2. Balance exceeds credit limit Account shows {$7900.00} with a {$7700.00} limit, a violation of accurate reporting requirements ( 15 U.S.C. 1681e ( b ) ).

3. Payment history discrepancies Delinquency timelines differ from XXXX records. 
4. Date of last activity inconsistencies Experian lists Last Active as XX/XX/XXXX, while XXXX reporting reflects derogatory closure in XX/XX/XXXX. 
5. Contradictory remarks Dispute resolved subscriber disagrees is repeated and does not constitute factual, verifiable reporting. 
6. Status conflict XXXX  has already deleted the account after investigation, showing data inconsistency between CRAs. 
Laws & Regulations Violated Identity Theft-Specific FCRA Provisions : 15 U.S.C. 1681c-2 ( a ) Obligation to delete reporting of information resulting from identity theft within 4 business days after receiving proof of identity, FTC Identity Theft Report, and statement of dispute.

15 U.S.C. 1681c-2 ( b ) No re-reporting of deleted information unless verified by the consumer.

15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate disputed information, particularly after identity theft documentation was provided.

General FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers failure to correct and update information after notification of dispute.

FDCPA Violation : 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false, including failing to mark a debt as disputed or fraudulent.

CFPB/FTC Guidance : Re-reporting fraudulent or previously deleted accounts violates both FCRA and FACTA guidance.

Ignoring an FTC Identity Theft Report is a direct breach of consumer protection law and subject to civil liability. 
Formal Demand for Immediate Deletion This account is fraudulent and has been confirmed as such by an FTC Identity Theft Report ( # XXXX ). Experian is legally required to delete and permanently remove this account within four business days of receiving such documentation. Your continued reporting is a willful violation of the FCRA, FACTA, and FDCPA and has caused measurable harm. 
I am demanding immediate and permanent deletion of this account from my consumer file. Failure to comply will result in further CFPB complaints, a formal complaint to the FTCs Bureau of Consumer Protection, notification to my State Attorney General, and legal action seeking damages, statutory penalties, and attorneys fees. 
Written confirmation of deletion is required within 15 days of receipt of this letter.

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