Consumer complaint received 2025-03-20 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: AZ

Complaint narrative:
I, XXXX XXXX, am writing to formally dispute, for the final time, the continued and inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my Experian credit report. Despite my prior disputes, overwhelming evidence of identity theft, and the account being settled in full on XX/XX/XXXX, Experian persists in reporting this account with a charge-off status ( {$630.00} ), delinquent payment history ( 30-150 days past due ), and other derogatory marks, last updated on XX/XX/XXXX. XXXX and XXXX have already removed this account from my credit reports, acknowledging the fraudulent nature of the tradeline and the settlement. Experians refusal to do the same is a clear violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and I demand immediate removal of this account. I have escalated this matter to the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ), and I am prepared to pursue legal action if Experian does not comply. 

Evidence Supporting Removal This account resulted from a package ( XXXX XXXX ) stolen on XX/XX/XXXX, which I never received, leading to an unauthorized charge-off of {$630.00} reported by XXXX. I have provided extensive documentation, including : XXXX Police Department Report ( # XXXX ) dated XX/XX/XXXX, confirming the theft of the package. 
FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX, establishing me as a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, verifying the account was settled in full on XX/XX/XXXX and requesting tradeline deletion within 30 days. 
CFPB Complaint ( # XXXX ) : Filed due to XXXX failure to remove this fraudulent account despite prior disputes and clear evidence. 
Updated Credit Reports from XXXX and XXXX : Confirming the account has been removed from these bureaus reports, demonstrating that Experians continued reporting is inconsistent and unjustified. 
Experians refusal to remove this account, despite the actions of XXXX and XXXX, violates FCRA Section 1681i ( duty to reinvestigate ) and Section 1681e ( b ) ( duty to ensure accuracy ). The settlement nullifies any basis for reporting derogatory marks, and your failure to correct this constitutes willful noncompliance ( 15 U.S.C. 1681n ), entitling me to statutory damages, actual damages, punitive damages, and attorneys fees. Furthermore, Experians actions are inconsistent with industry standards, as evidenced by the other bureaus compliance.

Violations of Consumer Protection Laws FCRA : Experians failure to reinvestigate and remove this fraudulent account after multiple disputes violates 15 U.S.C. 1681i. Your continued reporting of inaccurate information also breaches 15 U.S.C. 1681e ( b ), harming my creditworthiness.

FDCPA : If Experians reporting supports any ongoing collection efforts post-settlement, this violates 15 U.S.C. 1692 et seq., as no debt remains collectible. 
TILA : The unauthorized charges from the stolen package and lack of disclosure violate TILAs consumer protections. 

I demand that Experian : Immediately delete the XXXX account and all associated derogatory marks from my credit report, aligning with the actions of XXXX and XXXX. 
Provide written confirmation within 10 days that this action has been completed. 
Failure to comply within 10 days will result in immediate legal action, including escalation through the CFPB, a formal complaint to the FTC, and a lawsuit for FCRA violations, seeking statutory damages up to {$1000.00} per violation, actual damages for harm to my credit, punitive damages for willful noncompliance, and attorneys fees. I am also prepared to involve a consumer protection attorney to ensure my rights are fully enforced.

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