Consumer complaint received 2025-06-16 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:
I am writing in response to your letter dated [ insert date of their letter, if known ] regarding the verification of accounts on my credit report, specifically the XXXX auto loan account ( Account Number : XXXX ). Your letter stated that this account was verified with no changes. Despite my efforts to resolve this matter, including contacting the furnisher ( XXXX ) as you suggested, I have received no response or valid proof to substantiate the accounts legitimacy. I now demand the immediate blocking and deletion of this account from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( Section 605B ), as I have attached an FTC Identity Theft Report to support this request. 

As previously reported in my Experian credit report dated XX/XX/2025, this account is listed as charged off, causing significant harm to my credit score. I do not recognize this account as legitimate and believe it may have resulted from unauthorized use of my personal information following a data breach or identity theft. XXXX failure to respond to my inquiries or provide verifiable evidence of the accounts validity, as required by the Federal Trade Commission ( FTC ), further confirms that this account can not be accurately reported. The FTC states that unverifiable accounts must not appear on consumer credit reports, and under Section 605B of the FCRA ( 15 USC 1681c-2 ), you are required to block information resulting from identity theft within four business days of receiving an FTC Identity Theft Report, which I have attached to this letter.

This letter serves as a formal demand for action under the following FCRA provisions : 15 USC 1681c-2 ( Section 605B ) : Requires the immediate blocking of information resulting from identity theft upon receipt of an FTC Identity Theft Report. I have provided this report, and you must block the XXXX account ( Account Number : XXXX ) within four business days.

15 USC 1681i : Entitles me to a thorough investigation and deletion of inaccurate or unverifiable information. You must investigate and remove this account if XXXX can not provide valid proof of its accuracy.

15 USC 1681e ( b ) : Mandates reasonable procedures to ensure the accuracy of reported information. You are obligated to review and correct any inaccuracies linked to this account.

15 USC 1681g ( a ) : Grants me access to my full consumer report to identify inaccuracies stemming from potential breaches. Provide an updated copy of my credit report immediately.

15 USC 1681m : Ensures no negative information from a breach or fraudulent activity is reported inappropriately.

15 USC 1681n : I reserve the right to pursue damages for willful noncompliance with FCRA requirements if you fail to comply with this request.

Please address this matter with the urgency it demands.

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