Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Date : XX/XX/XXXX2025 To : Experian XXXX XXXX  XXXX XXXX, TX XXXX CC : Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Deletion of Fraudulent XXXX XXXX Account Due to FCRA Violations To Whom It May Concern, This letter serves as a final legal demand for the immediate deletion of the XXXX XXXX account from my Experian credit file. I have repeatedly disputed this account, provided documents establishing it as the result of identity theft, fraud, and misrepresentation, and requested proper investigation and documentationall of which Experian has failed to honor in accordance with the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Duty to Report Accurate Information 15 U.S.C. 1681e ( b ) A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file. 

Experian continues to report the XXXX XXXX account and alleged late payments even after I submitted identity theft documentation and multiple disputes. This is a violation of Experian 's duty to ensure accuracy. 

2. Obligation to Block Fraudulent Information 15 U.S.C. 1681c-2 ( a ) Once a credit bureau receives a valid identity theft report, it must block the fraudulent information within four ( 4 ) business days. This provision applies when the consumer asserts fraud or identity theft and submits supporting documentation, which I have done multiple times.

Experians continued reporting of this account is a direct violation of this obligation.

3. Duty to Reinvestigate and Delete Unverified Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & 1681i ( a ) ( 5 ) ( A ) Upon receiving a dispute, a credit bureau must reinvestigate the disputed item. If, after reinvestigation, the information is found to be inaccurate or can not be verified, it must be deleted from the file. 

To date, Experian has provided no documentation verifying the accuracy or legitimacy of the XXXX XXXX account. 

4. Right to Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Consumers have the legal right to request the method of verification following a reinvestigation. This includes : " A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' I requested this information on XX/XX/XXXX2025 through the CFPB complaint portal, including : The name and department of the person Experian contacted ; The date and time of the communication ; Any documents used to verify the XXXX XXXX account ; Evidence supporting the alleged late payments. 

To date, I have not received any such documents or details. If you claim this information was sent, you must provide a timestamped email or tracking number and my signed receipt. If not, then the information was not delivered and can not be used to justify continued reporting.

5. If Method of Verification Is Not Provided, Deletion Is Required 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) The FCRA explicitly states : If, after any reinvestigation ..., an item of the information is found to be inaccurate or can not be verified, the information shall be promptly deleted from the file of the consumer.

Because Experian has failed to provide method of verification within the 15-day window, and no verification was supplied upon my request, this account must now be immediately deleted.

E-OSCAR Is Not a Sufficient Investigation : The FCRA requires that the reinvestigation of a disputed item be reasonable. Relying solely on an automated E-OSCAR system without actual human review or independent verification does not satisfy this requirement.

Courts have ruled that a reinvestigation that consists solely of parrotting information received from the original source is not a reasonable investigation. 
See : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Experian can not lawfully rely on an automated system alone and claim a proper reinvestigation was conducted. 

Final Notice Before Legal Action : As of this letter, you are hereby given XXXX ( XXXX ) calendar days to delete the XXXX XXXX account from my credit file. If Experian fails to comply, I will take the following steps : File a lawsuit against Experian for willful and negligent noncompliance with the FCRA. 

Seek actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees as authorized by : 15 U.S.C. 1681n ( Willful noncompliance ) 15 U.S.C. 1681o ( Negligent noncompliance ) Submit formal complaints to both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding Experians repeated violations. 

Enclosures : Copy of CFPB complaint ( Method of Verification, filed XXXX XXXX, 2025 ) Copies of identity theft documentation Copies of previous disputes filed with Experian Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX

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