Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Disclosure Center XXXX  XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE - FRAUDULENT ACCOUNT REPORTING Account Name : XXXX XXXX TAB BAN Account Balance : {$650.00} Consumer : XXXX XXXX XXXX XXXX DEMAND FOR IMMEDIATE PERMANENT DELETION OF FRAUDULENT ACCOUNT * * TO WHOM IT MAY  CONCERN : This letter serves as formal notice of dispute regarding a fraudulent account XXXX XXXX XXXX XXXX  - {$650.00} currently reporting on my Experian, Equifax, and TransUnion credit reports. I am demanding immediate permanent deletion of this account based on identity theft and multiple violations of the Fair Credit Reporting Act ( FCRA ). 

* * IDENTITY THEFT AND FRAUDULENT ACCOUNT CREATION * * I DO NOT RECOGNIZE this account and have never : - Applied for or opened any account with XXXX XXXX - Authorized anyone to open this account on my behalf - Received any products, services, or benefits from this account - Made any payments toward this account - Had any communication with XXXX XXXX regarding this account This account is the result of identity theft and fraudulent activity. I am the victim of identity theft and bear absolutely no responsibility for this fraudulent debt. 

* * LEGAL VIOLATIONS AND GROUNDS FOR DELETION : * * * * XXXX. FRAUDULENT ACCOUNT BLOCKING REQUIREMENTS * * * * Under 15 U.S.C. 1681c-2 ( a ) ( 1 ) of the FCRA * *, credit reporting agencies must block the reporting of information that resulted from identity theft when a consumer provides appropriate proof of identity theft. This includes : - Blocking fraudulent accounts within XXXX business days- Preventing the reappearance of blocked information - Notifying the furnisher that information has been blocked * * Under 15 U.S.C. 1681c-2 ( a ) ( 4 ) * *, once information is blocked, it can not be reported again unless the furnisher certifies that the blocked information is complete and accurate. 

* * XXXX. FURNISHER ACCURACY REQUIREMENTS * * * * Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) * *, furnishers of information must not provide information they know or have reasonable cause to believe is inaccurate. XXXX XXXX reporting of this fraudulent account violates this requirement. 

* * Under 15 U.S.C. 1681s-2 ( a ) ( 2 ) * *, furnishers must ensure the accuracy and integrity of information provided to credit reporting agencies. Reporting fraudulent accounts violates this duty. 

* * XXXX CREDIT REPORTING AGENCY ACCURACY OBLIGATIONS * * * * Under 15 U.S.C. 1681e ( b ) * *, credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer information. Continuing to report fraudulent accounts violates this fundamental requirement. 

* * Pursuant to 15 U.S.C. 1681i ( a ) * *, when a consumer disputes information, credit reporting agencies must conduct reasonable reinvestigation. Given the clear evidence of identity theft, continued reporting demonstrates failure to conduct proper investigation. 

* * XXXX. PERMISSIBLE PURPOSE VIOLATIONS * * * * Under 15 U.S.C. 1681b * *, credit reporting agencies XXXX only obtain and report consumer information for permissible purposes. Reporting fraudulent information lacks permissible purpose and violates this provision. 

* * XXXX. CONSUMER DISCLOSURE VIOLATIONS * * * * Under 15 U.S.C. 1681g * *, consumers have the right to accurate disclosure of credit file contents. Reporting fraudulent accounts violates disclosure accuracy requirements. 

* * XXXX. NEGLIGENT AND WILLFUL NONCOMPLIANCE * * * * Pursuant to 15 U.S.C. 1681o * *, negligent noncompliance with FCRA requirements subjects credit reporting agencies to actual damages and attorneys fees. 
* * Under 15 U.S.C. 1681n * *, willful noncompliance subjects credit reporting agencies to actual damages, statutory damages up to {$1000.00}, punitive damages, and attorneys fees. 

* * XXXX. ADDITIONAL FCRA VIOLATIONS * * * * Under 15 U.S.C. 1681j * *, you must provide accurate information in consumer disclosures. Fraudulent account reporting violates this requirement.

* * Pursuant to 15 U.S.C. 1681k * *, public record information must be verified and current. This fraudulent entry lacks proper verification. 

* * SUPPORTING DOCUMENTATION PROVIDED * * I am providing the following documentation to support my identity theft claim : - FTC Identity Theft Report - Police Report documenting identity theft - Government-issued identification - Social Security card - Utility bill proving current residence - Bank statements showing no relationship with XXXX XXXX XXXX XXXX DEMAND FOR IMMEDIATE ACTION : * * Based on the above violations and supporting documentation, I demand that you : XXXX. * * IMMEDIATELY BLOCK AND PERMANENTLY DELETE * * the fraudulent XXXX XXXX account from my credit report within XXXX business days as required by law XXXX. * * PREVENT REAPPEARANCE * * of this blocked information on future credit reports XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of deletion within 30 days XXXX. * * SEND UPDATED CREDIT REPORT * * showing removal of fraudulent account XXXX. * * NOTIFY ALL THIRD PARTIES * * who received reports containing this fraudulent information within the past XXXX years XXXX. * * NOTIFY THE FURNISHER * * ( XXXX XXXX ) that this information has been blocked due to identity theft * * NOTICE OF LEGAL VIOLATIONS : * * Your continued reporting of this fraudulent account after receipt of this dispute and supporting documentation constitutes willful violations of the FCRA. I am prepared to pursue all available legal remedies, including : - Filing complaints with the Consumer Financial Protection Bureau - Filing complaints with state attorneys general - Pursuing litigation for FCRA violations- Seeking actual damages, statutory damages, punitive damages, and attorneys fees * * PRESERVATION OF EVIDENCE : * * This letter serves as notice that all records, communications, and documentation related to this fraudulent account must be preserved for potential legal proceedings. 

* * FINAL DEMAND : * * The fraudulent XXXX XXXX account must be permanently deleted from my credit reports within XXXX business days of receipt of this letter as required by 15 U.S.C. 1681c-2. Your continued reporting of this fraudulent information will result in immediate pursuit of all available legal remedies. 

I expect your immediate attention to this matter and full compliance with federal law. Your prompt response confirming permanent deletion of this fraudulent account is required within 30 days. 

* * CC : Consumer Financial Protection Bureau * * 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