Consumer complaint received 2025-04-01 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:
Subject : Urgent Dispute of Inaccurate Reporting & Violations of FCRA and Metro 2 Compliance Dear CRA, I am writing to formally dispute the inaccurate and false reporting on my credit report associated with the following account : XXXX. Account Name : XXXXXXXX XXXX XXXX Card Account Number : XXXX Ftaudulent charges : {$11000.00} Reporting XXXX, XXXX, XXXX, XXXX, XXXX, and ongoing charge off for a year is a violation due to the Fraud account open and the product being used without my authorization. You can not force an account or invade my privacy. DELETE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting late payments : 30 days, 60 days late Remove late payments or terminate the account immediately under FCRA XXXX ( a ) and XXXX ( a ) for unverifiable data and FDCPA XXXX for misrepresentation. delete. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violating FCRA 11 ( a ) ( 15 USC section 1681i ), 15 USC section 1962e and FCRA 623 ( a ) ( 5 ) ( 15USC section 1681s-2 ). 
DELETE ACCOUNT IMMEDIATELY THIS IS FRAUD AND UNVERIFIABLE I HAD NO PRODUCT OR USE ANY PRODUCT. 
BLOCK AND STOP ALL ACTIVITY XXXXXXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX This is not my fraud ; I did not open this account. 
TERMINATE IMMEDIATELY The account is violating multiple reasons. first delinquent is unverifiable, lats payments is inaccurate, opening of this account is not applicable or in FCRA compliance as well XXXX XXXX compliance. 

Your company has failed to report this account accurately, violating the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. The following issues must be addressed immediately : Unverifiable XXXX XXXX XXXX reported late payments, charge-off status, and account history contain inaccuracies and unverifiable data, violating FCRA 15 U.S.C 1681s-2 ( b ).

False Entry of Late Payments You are inaccurately reporting delinquencies that can not be substantiated under 15 U.S.C 1681e ( b ).

Charge-Off Reporting Violations Per IRS Guidelines, debts classified as " charged off '' yet still being reported violate FCRA and U.S.C laws regarding fair reporting practices.

Identity Theft & Unauthorized Activity This account has fraudulent activity associated with it. A police report and an FTC Identity Theft Report have been filed, requiring you to block and cease all reporting under FCRA 15 U.S.C 1681c-2.

Failure to Comply with FCRA Notice to Furnishers As a data furnisher, you are legally required to ensure accurate reporting. Any failure to correct these inaccuracies will result in further legal action.

Action Required : Immediately delete and cease all reporting of this account.

Stop all unauthorized and inaccurate reporting per FCRA laws.

Failure to take corrective action will result in legal enforcement, including seeking damages for willful noncompliance per 15 U.S.C 1681n. I expect a response within 5 business days confirming the deletion of this account from all credit bureaus.

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