Consumer complaint received 2025-03-19 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: MO

Complaint narrative:
Subject : Request for Immediate Removal and Blocking of Fraudulent XXXX XXXX Account from My Credit Report To Whom It XXXX Concern, I am writing to formally request the immediate removal and blocking of the XXXX XXXX account from my credit report under the Fair Credit Reporting Act ( FCRA ). I previously requested that you take action on this matter, yet no response was received, and the fraudulent account continues to be reported. This constitutes a clear violation of my rights under the FCRA. 

Pursuant to 15 U.S.C. 1681c-2, the FCRA mandates that consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from fraud, so long as the consumer provides appropriate documentation. I have already informed you that this account is the result of fraudulent activity. Specifically : Over {$14000.00} in unauthorized add-ons were placed on my sales contract without my consent. 
I was overcharged by {$2000.00}. 
The manager of the dealership, XXXX XXXX XXXX, has acknowledged in writing that fraud took place during the purchase. 
The dealership ( XXXX XXXX ) initially secured a loan of {$52000.00} instead of {$36000.00}, an excessive and fraudulent amount. 
XXXX XXXX has been notified of the fraud, yet the account remains reported on my credit file. 
The matter has been formally reported to the Federal Trade Commission ( FTC ) for investigation, and I have enclosed a copy of my complaint for your reference. 
Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information ( XXXX XXXX XXXX is prohibited from reporting information that it knows, or has reasonable cause to believe, is inaccurate. Since I have provided XXXX XXXX and the dealership with direct notice of fraud, their continued reporting of this account to credit bureaus constitutes a violation of federal law. 

I have also enclosed : A copy of an email from XXXX XXXX XXXX acknowledging the fraudulent charges. 
A copy of XXXX XXXX settlement offer, which I declined because it did not fully compensate for the financial damages caused by their fraudulent actions. 
Given the overwhelming evidence of fraud, I demand that this account be immediately removed and permanently blocked from my credit report as required by law. If the account remains on my credit report, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action to enforce my rights under the FCRA. 

Please confirm in writing within 30 days that this fraudulent account has been removed and blocked from further reporting. Failure to comply with this request will result in further legal action. 

Sincerely, XXXX XXXX ( Enclosures : FTC Report, Email from Dealership XXXX, XXXX XXXX Settlement Offer )

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