Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am submitting this formal complaint against XXXX Credit Card and Experian Credit Bureau for fraudulent and deceptive conduct regarding my credit report. Their actions constitute fraud, misrepresentation, and possibly forgery, in violation of federal consumer protection laws. 

Background Of The Complaint : Previously, an account with XXXX XXXX was removed from my credit report due to fraud and identity theft. However, Experian has recently reinserted this fraudulent account, falsely claiming that : 1. I signed documents stating that the accounts prior removal was an error.

2. I financially benefited from the removal of this account.

Both statements are entirely false. I have never signed any such documents, nor have I profited in any way from this situation. 

Forgery and Fraudulent Conduct : By falsely claiming that I signed documents agreeing to the reinstatement of this account, Experian and XXXX have either : Lied outright about the existence of such documents, or Forged my signature or falsified records to justify their illegal actions. 

If these documents exist, they are forgeriesmaking this a criminal matter. This raises the severity of this case from corporate misconduct to potential criminal activity, including : Forgery ( a felony under federal and state law ) Fraudulent misrepresentation Defamation and financial harm Possible violations of the Fair Credit Reporting Act ( FCRA ) I am formally requesting that the CFPB investigate whether Experian and XXXX have falsified documents in my name. 

Pattern of Deceptive Credit Reporting Practices : Additionally, Discovers handling of this account demonstrates further deceptive practices : 1. Irregular " Permanent Dispute '' Status XXXX  recently sent me a letter stating that my account will be reported to all credit bureaus as being in dispute indefinitely due to my identity theft claim.

o This is not standard practicea dispute typically remains until resolved, not permanently. 
o If XXXX acknowledges my identity theft claim, why are they still reporting the account instead of removing it? 
o This contradiction further proves XXXX is manipulating the reporting system to harm my credit unjustly. 

2. Failure to Sell Off the Account XXXX typically sells charged-off accounts to debt XXXX within XXXX to 6 months. 

o They have retained my account for over XXXX years, which strongly suggests that they can not sell it because it is fraudulent. 
o If this were a legitimate debt, they would have followed industry-standard practice and transferred it to a third-party collector. 
o The fact that they have not done so only reinforces my claim that this account is fraudulent. 


This situation has caused severe financial harm and XXXX involve criminal violations of federal law. Given the gravity of these allegations, I expect an urgent and thorough investigation by the CFPB, with appropriate legal action taken against the responsib

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