Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Urgent : Second Dispute - Fraudulent Account Verification Discrepancy - Account Number XXXX Dear Experian Dispute Department, I am writing to vehemently dispute your recent claim of verification regarding the fraudulent account ( Account Number : XXXX ) associated with XXXX Card on my credit report. Your response, dated XX/XX/year>, states that you contacted the data furnisher, and they verified the accuracy of this information. This assertion is in direct contradiction to the actions taken by other major credit bureaus, XXXX XXXX XXXX, both of whom have already investigated and deleted this identical fraudulent account from my credit file. 

This discrepancy raises serious concerns about the thoroughness and validity of Experian 's verification process. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure maximum possible accuracy of information. When XXXX out of XXXX major credit bureaus acknowledge the fraudulent nature of an account and remove it, while Experian claims verification, it strongly suggests a failure in your due diligence and compliance with FCRA regulations. 

I reiterate that I do not recognize this account, its number, status, or balance. I have never authorized its opening, nor have I ever had any dealings with XXXX Card that would lead to such an entry on my credit report. Furthermore, the associated inquiry under XXXX was also unauthorized and should be removed. 

Given the clear inconsistency and the fact that this account has been identified as fraudulent by other reporting agencies, I demand the following : XXXX. Immediate and permanent deletion of the fraudulent XXXX XXXX account ( Account Number : XXXX ) and the associated inquiry from my Experian credit report. 

XXXX. Detailed documentation of the specific steps taken during your reinvestigation process, including but not limited to : the exact information provided by XXXX XXXX that led to their verification, and the credentials of the individual ( XXXX ) at XXXX XXXX who provided this verification. 

XXXX. Explanation of why Experian 's verification process yielded a different result than XXXX XXXX XXXX, despite all three agencies receiving the same dispute information. 

Failure to provide concrete evidence that substantiates the validity of this account, beyond a mere statement of verification, will be considered a violation of my rights under the FCRA. I expect a thorough and transparent response that addresses these points directly and results in the prompt removal of this fraudulent entry. 

Be advised that I will not hesitate to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies, should this fraudulent account not be removed 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