Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
-- - XXXX XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : URGENT DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT XXXX XXXX ( XXXX ) IN VIOLATION OF FCRA XXXX ( a ), CFRA, AND FDCPA To Whom It May Concern, This letter is to formally dispute and demand the immediate deletion of a fraudulent and inaccurately reported XXXX XXXX XXXX XXXX ) account, which continues to appear on my Experian credit file without my authorization or verification. The disputed account is listed below : XXXX ( XXXX XXXX ) Account # XXXX This account was opened fraudulently and without my knowledge or consent. Despite multiple written disputes, identity theft reports, police documentation, and direct complaints to XXXX XXXX, the account continues to be reported by Experian. This is a blatant violation of federal and state laws, and your continued inaction demonstrates gross negligence and willful disregard for consumer protection statutes. 


-- - Legal Grounds for Immediate Removal : Violation of XXXX XXXX. XXXX ( a ) Failure to Block Fraudulent Information Under the Fair Credit Reporting Act ( FCRA ), once a consumer submits an identity theft report, Experian is required to block the fraudulent data within XXXX ( XXXX ) business days. I have already provided : An official Identity Theft Report Correspondence and complaints filed against XXXX XXXX. 


Your failure to remove this fraudulent data constitutes a direct violation of XXXX XXXX. XXXX ( a ). 


-- - Failure to Investigate and Validate Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Upon receipt of a dispute, the credit reporting agency is legally obligated to conduct a reasonable reinvestigation. To date, Experian has failed to produce any documentation or results proving this account is legitimate. No signed agreements, original contracts, or verification documents from XXXX XXXX have been provided to support the reporting of this account. 


-- - Violations of the California Consumer Credit Reporting Agencies Act ( CCRAA/CFRA Cal. XXXX. Code XXXX ( a ) ) The CFRA/CCRAA mandates that no consumer reporting agency shall furnish information that it knows or should know is inaccurate. XXXX XXXX has not responded to multiple verification requests, and Experian has knowingly continued to report unverifiable, fraudulent informationa violation of XXXX. XXXX. Code XXXX ( a ) and ( g ). 

Additionally, XXXX. XXXX. Code XXXX provides explicit consumer protections in cases of identity theft. Under this statute, Experian is obligated to : XXXX identity theft-related accounts within 30 days Cease reporting accounts once credible notice and proof of identity theft has been received -- - Violation of XXXX XXXX. XXXX ( b ) and XXXX XXXX XXXX XXXX The FDCPA requires that all debts must be properly validated. XXXX XXXX has been notified numerous times and has consistently failed to respond or provide original signed account documents. Reporting a debt without full validation under FDCPA XXXX ( b ) and FCRA XXXX is a federal offense. 


-- - DEMAND FOR ACTION Based on the violations above, I am demanding that Experian take the following actions immediately : XXXX. Permanently delete the XXXX ( XXXX XXXX ) account listed under account # XXXX from my credit report XXXX. Provide a full report of the reinvestigation results as required by XXXX XXXX. XXXX XXXX. Submit written confirmation of the deletion within XXXX days of receipt of this notice Failure to act will result in : Litigation under XXXX XXXX. XXXX and XXXX for willful and negligent noncompliance Filing formal complaints with the CFPB, FTC, State Attorney General, and Consumer Affairs Legal pursuit of statutory, punitive, and actual damages including attorneys fees Subpoena of all Experian investigation records and communications with XXXX XXXX -- - FINAL NOTICE Experian is now on final notice. You have received more than sufficient documentation to support this identity theft dispute, including official reports, affidavits, and direct communications. XXXX XXXX has repeatedly failed to validate this account, and your continued reporting is unlawful. 

If this fraudulent item is not deleted within XXXX  days, I will pursue immediate legal remedies to protect my rights under federal and state law. 

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