Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, This is my third and final formal request for the immediate deletion of the fraudulent XXXX XXXX  account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) that remains on my credit report. I have exhausted all standard dispute procedures, and Experians ongoing failure to remove this account is now in clear violation of federal law. 
Below is a summary of my attempts and legal filings regarding this matter : Timeline of Attempts to Resolve XX/XX/year> Initial dispute submitted to Experian CFPB Complaint # : XXXX XX/XX/year> Second dispute sent after XXXX  and XXXX  removed the account CFPB Complaint # : XXXX XX/XX/year> Identity Theft and Fraud Report filed with FTC FTC Report # : XXXX Despite these actions, this fraudulent and unverifiable account remains on my Experian file. I now demand full deletion under the following federal statutes : Legal Grounds for Immediate Deletion 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Block You are required to block fraudulent information within four business days of receiving a valid FTC Identity Theft Report and proper identification. This documentation has now been provided.

2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation Obligations You are required to conduct a reasonable reinvestigation of any dispute within 30 days. XXXX  failed to do so, especially considering XXXX  and XXXX  both deleted the account from their files using the same documentation.

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Responsibility Reporting conflicting or inaccurate information after notification of a dispute and identity theft is a violation of your duty to ensure accurate reporting.

4. FCRA 607 ( b ) Maximum Accuracy Requirement Your bureau has continued to report this account despite it being removed by all other major agencies. This fails to meet the standard of maximum possible accuracy.

5. FCRA 602 ( a ) Fair and Equitable Treatment The law demands that consumer information be treated fairly and equitably.

Reporting a known fraudulent accountwhile ignoring official documentation and legal filingsis a breach of this obligation.

6. 15 U.S.C. 1681n & 1681o Civil Liability XXXX  may be held liable for willful or negligent noncompliance with the FCRA, including actual, statutory, and punitive damages.

Summary of Facts The account is fraudulent and the result of identity theft Both XXXX  and XXXX  have removed the account XXXX  continues to report inaccurate and unverifiable data You have failed to take action after two CFPB complaints and one FTC fraud alert You are now knowingly in violation of multiple sections of the FCRA Final Demand This letter serves as a final notice and demand for deletion of the XXXX XXXX  account from my Experian credit file. I am not requesting another reinvestigationI am requesting permanent removal.

I hereby demand : 1. Immediate deletion of the XXXX XXXX account from my Experian credit report 2. Written confirmation of the deletion 3. An updated credit report showing the corrected information Failure to comply within 10 business days will result in escalated legal action, including an additional complaint to the FTC, CFPB, and State Attorney General, as well as consideration of a civil lawsuit under FCRA 1681n and 1681o.

Thank you for your immediate attention to this serious matter.

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