Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Immediate Dispute and Removal of Fraudulent Account To Whom It May Concern, I am formally disputing the account reported by XXXX XXXX XXXX as fraudulent and inaccurate. This account does not belong to me, and I never authorized or entered into any agreement with XXXX XXXX XXXX or the original creditor XXXX XXXX XXXX XXXX. 

Furthermore, the documentation provided in response to my dispute contains a critical errormy name is misspelled as XXXX instead of XXXX. This proves that the account was not legally opened under my identity and must be removed immediately. 

XXXX Has Already Removed This Account I have disputed this account with XXXX, and they have already removed it from my credit report, acknowledging that it is inaccurate. Since one major credit bureau has confirmed this account is invalid, there is no legal basis for Experian or TransUnion to continue reporting it. 

Legal Violations & Grounds for Removal 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681s-2 Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data to credit reporting agencies.

Since the account contains a name discrepancy, it is clearly inaccurate and must be removed from my credit report.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have filed an identity theft report with the FTC, which legally requires this fraudulent account to be blocked and removed immediately.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e Debt collectors can not report false or misleading information under FDCPA 807 ( 15 U.S.C. 1692e ). 
The name mismatch proves that this is not my debt, and continuing to report it is an unfair collection practice. 
3. Uniform Commercial Code ( UCC ) Invalid Debt Assignment Under UCC 3-305, any debt must be supported by a valid contract with the correct legal name of the debtor.

Under UCC 3-501, I demand proper presentment of any negotiable instruments proving my obligation to this debt.

If the creditor can not provide a valid, enforceable contract with my correct legal name, this debt is legally unenforceable and must be removed.

Formal Request for Immediate Deletion I am demanding the immediate removal of this fraudulent account for the following reasons : XXXX has already deleted it, confirming it is inaccurate. 
The agreement contains a name discrepancy, proving it does not belong to me. 
I have filed an FTC Identity Theft Report, which legally requires this account to be removed under FCRA 605B. 
Failure to delete this account is a clear violation of FCRA and FDCPA, making the reporting agency liable for damages. 

Next Steps & Legal Action Notice If this fraudulent account is not removed within 30 days, I will take the following actions : File a lawsuit in federal court under FCRA and FDCPA for knowingly reporting false information. 
Seek damages for defamation, negligence, and financial harm caused by this false reporting. 
Escalate this complaint to the FTC, CFPB, and my states Attorney General to pursue further legal action. 
This is my final notice before legal escalation. Please remove this fraudulent account immediately and provide written confirmation of its deletion. 

Thank you for your prompt attention to this matter. 

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