Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
XXXXI recently reviewed a copy of my credit report and noticed I have one fraudulent account on my credit report.I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. Please remove this account from my credit report, it's hurting my ability to obtain credit. Subject: Formal Dispute of Fraudulent Information Under 15 U.S.C.  1681c-2 To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent information on my credit report and to request its immediate removal in accordance with the Fair Credit Reporting Act, specifically 15 U.S.C.  1681c-2.Please find enclosed a copy of my identity theft report (FTCReport Number: [[XXXX]) to substantiate this dispute.Under federal law, credit reporting agencies are required to delete and remove information that results from identity theft within four (4) business days of receiving valid documentation from the consumer. The following account(s) listed on my credit report are fraudulent and were opened without my knowledge, authorization, or consent: Fraudulent Account to Be Removed: Account Name: XXXX XXXX XXXX  ] Account Number: [ XXXX] This unauthorized account is negatively impacting my credit profile and does not represent any legitimate activity on my part. Therefore, I am requesting the following actions be taken without delay: 1.Immediately delete the above-mentioned fraudulent account(s) from all versions of my credit report. 2.Provide written confirmation that the account(s) have been permanently removed. 3.Send me an updated copy of my credit report reflecting these changes. 4.Do not place a fraud alert on my file as this is not a current or ongoing threat. As mandated by 15 U.S.C.  1681c-2, your agency must act promptly upon receipt of this notice and documentation. I expect full compliance within the time limits established by law\XXXX XXXX XXXX XXXX I hold the belief that the reporting of this entry may have been done \nunfairly, inadequately verified, or potentially unlawful. In particular, I hereby demand that any claim of \ndelinquent payments related to this item be expunged promptly in accordance with the applicable laws.\n The information that has been reported concerning Account Status XXXX): Open appears to be in \nviolation of the essential standards required for compliant reporting. Therefore, I would like to register a \ncomplaint challenging the reporter's right to report this claim unless they can provide evidence of their \nconfirmed and demonstrated adequacy of reporting practices and processes, which include full compliance \nwith the mandatory Metro 2 Format standards prescribed by the Credit Reporting Industry. It is evident that \none or more of the Last Verified information reported is deficient in terms of reporting proficiency. Hence, it is \nimperative that the reporter unequivocally demonstrates the accuracy, completeness, and compliance of their \nreporting with industry standards.\n I wish to draw your esteemed attention to an anomaly denoted as Date Last Active (XXXX XXXXXXXX, \nwhich has been duly documented in the report. It has come to my discerning notice that the information \npertaining to this particular account appears to be deficient in accuracy and is incongruent with the well\nestablished reporting standards of the XXXX. With the utmost respect, I humbly request that you kindly \nconsider revisiting this matter and verifying the veracity, completeness, timeliness, and compliance with all \nrequisite standards, or if not, I respectfully request the removal of my profile. Your prompt and diligent \nattention to this matter would be greatly appreciated.\n I kindly wish to draw your attention to the matter concerning the Date Opened XXXX XXXX as \nindicated in the report. It has come to my attention that the data associated with this account exhibits a \nnotable inconsistency when measured against the established reporting standards upheld by the XXXX. I humbly request that you undertake a thorough review of this data to confirm its accuracy, completeness, \ntimeliness, verification, and compliance with all requisite criteria. Should it transpire that these aforementioned \ncriteria are not met, I would respectfully request the removal of my profile. Your prompt attention to this matter \nis greatly appreciated.\n I hereby wish to bring to your attention the fact that my rights are being infringed upon. I have meticulously \ndocumented my concerns regarding your reporting practices in the attached document. It is imperative to note \nthat the provided information is incomplete and fails to meet the standards that I expect. It is crucial, both by \nlegal obligation and in accordance with the Fair Credit Reporting Act (FCRA) and Metro 2 compliance \nrequirements, that all aspects of reporting be certified truthfully, accurately, and in a timely manner. Failure to \ncomply with these stipulations may necessitate my escalation of these matters to the Consumer Financial \nProtection Bureau (CFPB), the Federal Trade Commission (FTC), and my respective Attorney Genera\XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX\n Account Type XXXX Collection\n Credit Limit XXXXnHigh Credit XXXX XXXX  Last Reported\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 XXXX XXXX XXXX Collection/Chargeoff\n Monthly Payment \XXXXn No. of Months \n(terms) XXXX7 Year History\n 30: - 60: - 90:--\n Customer disputed account - reported by subscriber.\n Comments XXXX I kindly request the expungement of any harmful components of the accusations attributed to my credit history \nconcerning the following entry\nPlease remove all fraudulent accounts. thank you"

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