Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
Demand for Deletion of Fraudulent Account Multiple FCRA and FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Re : Final Demand for Deletion of Fraudulent Account Multiple FCRA and FDCPA Violations CFPB Case # : XXXX Original Creditor : XXXX To Whom It May Concern, This letter serves as a formal continuation and final demand concerning my original complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, regarding the inaccurate and fraudulent reporting of a XXXX account on my Experian credit report. 
On XX/XX/XXXX, I submitted a written debt validation request to XXXX disputing the legitimacy of the account in question. I included my FTC Identity Theft Report ( # XXXX ), police report ( # XXXX ), and supporting evidence clearly documenting that I was a victim of identity theft. 
Despite this, Experian has refused to delete the account and on XX/XX/XXXXXXXX closed the investigation with a vague response that the furnisher verified the accountwithout presenting a single document supporting the alleged debts validity. This response is not only inadequate but in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Original Dispute Summary ( Submitted XX/XX/XXXX ) To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Request for Debt Validation Account Dispute Disputed Account Details : Creditor : XXXXXXXX Last 4 of Account Number : XXXX * * * * Balance : {$0.00} Status : Charge-Off / Collection Opened : XX/XX/XXXX Reported : XX/XX/XXXX Remarks : Purchased by another lender ; unpaid balance reported as a loss Requested Documentation ( per FDCPA 809 and FCRA 611 ) : Proof of debt ownership and identity match A copy of the original signed agreement Full itemized payment history and breakdown of charges Documentation of legal assignment of debt I made clear that if no such documents could be produced within 30 days, the account must be removed and collection activities must cease. No such documentation was ever received. 

Supplemental Evidence ( Post-Investigation ) XXXX XXXX XXXX, the entity who acquired the debt from XXXX, issued a letter on XX/XX/XXXX, confirming : We have investigated XXXX XXXX fraud claim and have made the decision to close the account. A request to delete the tradeline will be submitted to the credit bureaus. 


I also previously filed a related CFPB complaint against XXXX XXXX XXXX ( CFPB # XXXX ), reiterating my legal dispute and validation requestwhich likewise went unresolved. 



Legal Violations by Experian 1. FCRA 1681i Failure to Reinvestigate : Experian failed to conduct a reasonable reinvestigation and relied solely on unverified claims from the data furnisher. 
2. FCRA 1681c-2 Failure to Block Fraudulent Data : Despite receiving valid identity theft documentation, Experian failed to block the disputed tradeline. 
3. FCRA 1681s-2 ( b ) Continued Reporting After Dispute : XXXX and XXXX acknowledged the debt was fraudulent and agreed to remove it. Yet Experian continues to report the account. 
4. FDCPA 809 ( b ) Debt Validation Failure : Neither XXXX  nor its assignees provided a valid contract or payment history. Reporting unvalidated debt is unlawful. 

Demands for Immediate Action I hereby demand that Experian : Immediately and permanently delete the XXXX  account from my credit report. 


Provide written confirmation of deletion within ten ( 10 ) business days.

Cease any future reinsertion of the account unless full legal validation is produced in accordance with FCRA 611 ( a ) ( 5 ).

Notice of Intent to Litigate If this matter is not resolved as outlined above, I will proceed with the following actions : File a lawsuit in federal court under FCRA 1681n, 1681o and FDCPA 813 ( 15 U.S.C. 1692k ) Seek statutory, actual, and punitive damages for willful and negligent violations File complaints with the California Attorney General, Federal Trade Commission ( FTC ), and the CFPB Office of Enforcement This notice incorporates all evidence previously submitted and stands as a final attempt at resolution before initiating legal action. I strongly urge you to treat this matter with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX 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