Consumer complaint received 2025-06-18 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:
[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX RE : Dispute of Inaccurate & Fraudulent Account Demand for Deletion Account Name : XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am formally disputing the continued reporting of the above-referenced XXXX XXXX  account on my Experian credit report. 

This account was previously disputed as fraudulent and was rightfully deleted by Experian following an investigation. However, it has now been improperly reinserted without proper notice and without certification of accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits reappearance of deleted information without proper reinvestigation and notification to the consumer within XXXX business days. 

Additionally, the current reporting of this account is materially inaccurate and non-compliant with Metro 2 reporting standards and FCRA requirements, for the following reasons : Contradictory Status : The account is reported as charged off and written off while simultaneously showing an active past-due balance of {$140.00}. A charge-off must be final and can not simultaneously accrue or report as past due. 
Improper Re-aging : The payment history shows a repeated charge-off status for multiple months ( from XX/XX/XXXX through XX/XX/XXXX ) which is inaccurate. A charge-off is a one-time event and should not continue reporting as new every month. 
Inconsistent Date of First Delinquency ( XXXX ) : The delinquency timeline appears manipulated or unclear, extending the derogatory period beyond what the FCRA allows for reporting negative information. 
Fraudulent Nature : This account was disputed as identity theft/fraud and was removed once already. Re-reporting it without proper fraud investigation and consumer certification violates FCRA Sections 605B and 611.

I hereby demand the following : Immediate permanent deletion of this account from my Experian credit report due to inaccurate and fraudulent reporting, Metro 2 violations, and improper reinsertion. 
Written confirmation of deletion within 30 days as required by FCRA 611.

If you claim this information is accurate, provide full documentation validating the debt, including a copy of any signed application or agreement bearing my signature.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and I will pursue my right to seek legal relief for noncompliance and damages under the FCRA.

Please treat this matter with urgency. This is my final attempt to resolve this directly before escalating further. 

Thank you for your prompt attention. 

Sincerely, [ Your Name ] [ Signature if mailing ]

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