Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Summary : This is a formal complaint against Experian, XXXX, and XXXX  for the continued reporting of a fraudulent charge-off account on my credit report violating federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Federal Law Violations ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related data within four business days of receiving my valid FTC Identity Theft Report ( # XXXX ). 

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to promptly delete information found to be inaccurate or unverifiable.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy in reporting.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

State Law Violations In addition to federal violations, these actions also violate state consumer protection laws, which vary by jurisdiction but typically include : Unfair and Deceptive Acts or Practices ( UDAP ) laws under State Consumer Protection Statutes State Identity Theft Protection Acts that mandate proper response to identity theft claims and reporting responsibilities State Data Privacy Laws protecting against unauthorized use or disclosure of personal information Negligent and willful misrepresentation in the course of credit reporting Example ( Florida Residents ) : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Florida Identity Theft Act, which mirror federal protections but allow for private rights of action with statutory penalties and attorney fees.

Harm Caused A significant drop in my credit score Denial of credit opportunities Financial strain and reputational damage Hours spent correcting unlawful reporting Emotional distress due to prolonged exposure to false data Continued exposure to inaccurate data despite filing a certified dispute package Remedies Requested I am demanding that the CFPB take immediate action to : Order permanent deletion of the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off account ( Partial Acct # : XXXX ) and any related inquiries.

Require written confirmation of removal and assurance against future reporting of this account without full compliance with FCRA and state laws.

Impose penalties for failing to block/remove this account within the 4 business days required by FCRA 605B . 

Audit bureau charge-off and collection reporting procedures for broader FCRA compliance XXXX 

Refer this matter to state authorities for prosecution of state law violations. 

Supporting Evidence FTC Identity Theft Report # XXXX Current credit report ( highlighting fraudulent entry ) Government-issued ID Proof of address USPS Certified Mail tracking Prior written dispute notice Additional Agencies Notified : Federal Trade Commission ( FTC ) Office of the Attorney General ( Florida ) State Department of Financial Regulation XXXX XXXX XXXX State Consumer Protection Office

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