Consumer complaint received 2024-08-18 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: PA

Complaint narrative:
Dear CFPB, I am writing to formally complain about Experians failure to remove fraudulent information from my credit profile, despite multiple notifications and the submission of supporting documentation. My complaint pertains specifically to XXXX XXXX account # XXXX, which has been erroneously reported on my credit file as a result of identity theft.

Background : 1. Fraudulent Account Reporting : On XX/XX/XXXX, I initially contacted Experian regarding the fraudulent XXXXXXXX XXXX  account # XXXX that appeared on my credit report. I provided Experian with a Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report # XXXX ) as supporting documentation. This report unequivocally identified the account as a result of identity theft. 
2. Subsequent Follow-Up : Despite my initial complaint and submission of the FTC report , the fraudulent information remained on my credit profile. Consequently, I reached out again to Experian on XX/XX/XXXX, reiterating my request for the removal of the fraudulent entry and resubmitting the FTC report. 
3. Experians Response : To date, Experian has refused to remove the fraudulent information from my credit report. Their continued failure to address this issue has had a significant negative impact on my creditworthiness and financial stability.

Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvanias Identity Theft Protection Act ( Act 102 of 2014 ) : This law mandates that consumers have the right to dispute fraudulent information on their credit reports and requires credit reporting agencies to promptly investigate and rectify any inaccuracies related to identity theft. 
2. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. Credit reporting agencies, including Experian, are legally obligated to investigate these disputes and correct any inaccuracies in a timely manner. 
o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This federal law provides protections for victims of identity theft, ensuring that fraudulent information is not allowed to remain on a credit report.

Request for Action : I respectfully request that the CFPB intervene to compel Experian to : 1. Remove the fraudulent XXXXXXXX XXXX  account # XXXX from my credit report immediately. 
2. Confirm in writing that the removal has been processed and that my credit profile has been updated accordingly.

The failure of Experian to comply with these legal obligations is causing me undue stress and financial harm. I trust that the CFPB will take the necessary steps to ensure that this matter is resolved in accordance with the relevant state and federal laws. 
Thank you for your attention to this urgent matter. I look forward to your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA 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