Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : ( XXXX ) XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Request for Immediate Deletion of Inaccurate Collection Account Creditor : XXXX XXXX XXXXXXXX ( Opened in XXXX, Closed Not Mine ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX  XXXX credit card account that appears on my Experian credit report. This account is listed as having been opened in XXXX and is marked as closed, but it does not belong to me. 

I have no association with this account, and I have never opened or authorized any credit card with XXXX XXXX  XXXX. The account is erroneously linked to my name and appears to have been mistakenly reported to your bureau.

The presence of this account on my credit report is in direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) ), which mandates that consumer reporting agencies must ensure that all information reported is accurate, complete, and up-to-date. In this case, the information is inaccurate, and it is my legal right under FCRA 1681i ( a ) ( 1 ) ( A ) to request the deletion of this erroneous entry from my credit file.

The following discrepancies further support my request for removal : No account number is listed, making it impossible to properly identify the account. This lack of detail violates FCRA 1681c ( a ) ( 1 ), which requires that all reported information be specific and verifiable.

There is no transaction history or any supporting documentation linking me to this account, which further invalidates its presence on my credit report under FCRA 1681e ( b ).

The account is labeled as closed, but there is no record of my engagement with this account, nor any proof that it was my responsibility in the first place.

Under FCRA 1681i ( a ) ( 1 ) ( A ), I am entitled to a full reinvestigation of this matter. If the information can not be verified as accurate, this account must be immediately removed from my credit report. In addition, under FCRA 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ), it is unlawful to report false information about a consumers credit history, and such actions can result in legal consequences.

I formally request that : This erroneous Bank of America account be deleted from my Experian credit report immediately.

You provide written confirmation of the deletion and supply me with an updated version of my credit report to reflect the change.

If this matter is not resolved within the 30-day period mandated by law, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for failure to comply with FCRA 1681e ( b ), 1681i, and FDCPA 1692e. Additionally, I will consider taking legal action for the damages I have incurred due to this inaccurate reporting, as permitted by FCRA 1681n and 1681o, which provide for statutory damages, actual damages, and attorneys fees.

I expect your prompt attention to this matter, and I look forward to receiving confirmation of the accounts removal from my credit report. 

Sincerely, XXXX 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