Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and Experian, as they have failed to investigate a fraudulent account associated with my name, despite my repeated requests for resolution. I believe this is a violation of my rights and the protections afforded to me under the **Fair Credit Reporting Act ( FCRA ) ** and other consumer protection laws. 

Details of the Situation : - **My Full Name** : XXXX XXXX XXXX **Account Number** : unknown - **Date of Fraud**:XXXX - *XXXX Customer Service Interaction** : XXXX On XX/XX/XXXX I discovered that an account was opened in my name with XXXX without my consent, and I immediately reported this as fraud to XXXX XXXXs customer service team. Despite providing all necessary documentation, including my identity theft report and details of the fraudulent activity, XXXX has failed to initiate a proper investigation into the matter. 

I have contacted XXXX, and credit bureaus multiple times to follow up on the status of the investigation, and each time, I have been met with delays, lack of clear responses, or no investigation at all. This lack of action is preventing me from resolving this issue and is potentially damaging my credit and financial wellbeing. 

As a result, I am seeking the following resolutions : I respectfully request that the **Consumer Financial Protection Bureau ( CFPB ) and Credit bureaus** intervene and assist in facilitating a thorough investigation into this fraudulent account and hold XXXX  accountable and credit bureaus for their failure to resolve the matter in a timely and proper manner. 

According to XXXX records, this account is listed as being opened in XX/XX/XXXX. However, I first discovered this account in XXXX, and I have documented evidence of my initial dispute regarding this fraudulent account from that year. It is therefore **impossible** for this account to have been opened in XXXX, as it was already present on my credit report well before that time. 
If Credit bureaus would have fully investigated all the documents Ive been sending year after year my emails showed XXXX dispute which would Have showed opened before XXXX. 

Furthermore, they have reported this account as **charged off** over **seveXXXX years ago**, which would place it beyond the typical seven-year reporting period under the **Fair Credit Reporting Act ( FCRA ) **. The account is still showing up on my credit report, despite the fact that it should have been removed after seven years. This indicates that the account is being manipulated to stay on my credit report by falsely adding new dates. 

I have attached the proof of my XXXX dispute** email for reference, which demonstrates that this account has been on my report much longer than the stated XX/XX/XXXX opening date. Given the inconsistency of their reporting and the failure to provide supporting documentation, I request that you : 1. Remove the account from my credit report** as this surpassed the seven-year reporting period for charged-off accounts under the FCRA and XXXX Failed to report this account accurately so Anything reported after that would not substain due to this could be more falsified documents and statments. 


I am attaching all relevant documents to support my claim when I first discovered this account in 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