Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT - VIOLATION OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account Number : XXXX Dear Credit Bureau Legal Department : I am writing to express my profound anger and disappointment regarding your bureau 's continued violation of the Fair Credit Reporting Act and your blatant disregard for your legal obligations as a consumer reporting agency. Your failure to remove a fraudulent account from my credit file demonstrates total disrespect for federal law and complete lack of empathy for how this is destroying my financial life. 

XXXX XXXX XXXX XXXX XXXX XXXX opened account number XXXX on XX/XX/XXXX, with a balance of {$1100.00}. This account was subsequently determined to be fraudulent, and XXXX XXXXXXXX XXXX has cleared me of all associated debt. XXXX XXXX XXXX  notified your bureau over a month ago that this fraudulent account should be completely removed from my credit file. 

DESPITE THIS CLEAR NOTIFICATION FROM THE CREDITOR, YOUR BUREAU CONTINUES TO REPORT THIS FRAUDULENT ACCOUNT ON MY CREDIT FILE. 
YOUR LEGAL VIOLATIONS Your bureau 's continued reporting of this fraudulent account constitutes willful violations of federal law, including : Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) - Failure to follow reasonable procedures to assure maximum possible accuracy Fair Credit Reporting Act ( 15 U.S.C. 1681i ) - Failure to conduct reasonable reinvestigation when notified by furnisher Fair Credit Reporting Act ( 15 U.S.C. 1681c ) - Reporting information known to be inaccurate DEVASTATING IMPACT ON MY LIFE Your bureau 's negligent and potentially willful misconduct has caused catastrophic damage to my financial life. The total disregard you have shown for the laws that govern your business practices is unconscionable and demonstrates a pattern of corporate irresponsibility that destroys consumers ' financial futures.

Your continued reporting of this fraudulent debt has caused : Severe damage to my credit score and financial reputation Denial of credit opportunities and financial services Significant emotional distress and mental anguish Countless hours spent addressing your bureau 's unlawful failures Potential loss of employment and housing opportunities DEMAND FOR IMMEDIATE REMOVAL I hereby DEMAND that your bureau take the following immediate actions : IMMEDIATELY REMOVE XXXX XXXX XXXX  account number XXXX from my credit file completely IMMEDIATELY CEASE all reporting of this fraudulent account to any third parties Provide written confirmation within FIVE ( 5 ) BUSINESS DAYS that this fraudulent account has been permanently deleted from my credit file Provide a corrected credit report within SEVEN ( 7 ) BUSINESS DAYS showing the complete removal of this fraudulent account NOTICE OF INTENT TO PURSUE MAXIMUM LEGAL REMEDIES Your bureau 's continued non-compliance with federal law ends NOW. If you fail to take the demanded corrective action within the specified timeframe, I will immediately pursue every available legal remedy with maximum aggression, including : IMMEDIATE CIVIL LITIGATION under the Fair Credit Reporting Act seeking maximum statutory damages of {$1000.00} plus actual damages, punitive damages, and attorney 's fees Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) with full documentation of your willful violations Filing complaints with your state regulators and the Federal Trade Commission Pursuing class action opportunities against your bureau 's systematic violations FULL PUBLIC EXPOSURE of your bureau 's illegal business practices through all available media channels Pursuing all other remedies available under state and federal law THIS IS YOUR FINAL NOTICE The time for excuses, delays, and corporate doublespeak has ended. Your bureau has had over a month to comply with XXXX XXXX XXXXXXXX XXXX notification and federal law. Your continued violation of my rights under the FCRA will be met with the full force of legal action. 
I DEMAND IMMEDIATE COMPLIANCE WITH FEDERAL LAW. 
This letter serves as formal legal notice that I will hold your bureau fully accountable for every day this fraudulent account remains on my credit file beyond the deadlines specified herein. 
I demand written acknowledgment of receipt of this letter within THREE ( 3 ) BUSINESS DAYS and full compliance with the demands set forth above.

TIME IS OF THE ESSENCE. COMPLY IMMEDIATELY OR FACE THE CONSEQUENCES. 
Sincerely, COPIES TO : Consumer Financial Protection Bureau Federal Trade Commission Georgia Attorney General 's Office XXXXXXXX XXXX XXXX XXXXXXXX. ( for their records )

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