Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Information on My Credit Report Dear Experian Fraud Department, I am writing to formally dispute the inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this matter, Experian has failed to take appropriate action to correct or remove the erroneous listing of an account that does not belong to me. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX  account opened at XXXX on XXXX, XXXX under the account number ( private ), This account have resulted in fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.The aforementioned account, is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
The account in question is listed under XXXX with account number XXXX. I have never held a loan with XXXX, and any claims that this account has been verified are incorrect. I have made multiple disputes requesting the removal of this fraudulent account, but Experian continues to report it as verified and updated. 
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure that all information in a consumers credit report is accurate and verifiable : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) states that if a consumer disputes the completeness or accuracy of any item of information, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

15 U.S. Code 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports.

15 U.S. Code 1681c ( a ) prohibits the inclusion of inaccurate and unverifiable information on a consumers credit report. 
I have attached documentation, including an email from XXXX confirming that they have no record of me in their system. When I attempt to access the alleged account using my Social Security number and date of birth, MOHELAs system does not recognize my information, further proving that this account is not mine. 
Given this clear evidence, I demand that Experian immediately remove the fraudulent XXXX account from my credit report. If this matter is not resolved promptly, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action for violations of the FCRA, which entitles me to statutory damages. 
Please provide a written response confirming the removal of this account within 30 days of receipt of this letter, as required under the FCRA. Failure to comply may result in further action. 
Sincerely, XXXX XXXX XXXX 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