Consumer complaint received 2025-06-07 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:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Permanent Deletion of Fraudulent XXXX Account Under FCRA Dear Experian, XXXX, and XXXX, I am writing to formally dispute and request the permanent deletion of a fraudulent XXXX  account currently reporting on my credit files with your bureaus. The account shows a {$0.00} balance, but I want to be clearI did not open or authorize this account, and I have no affiliation with XXXX regarding any form of credit. 
As a victim of identity theft, I have already taken proper steps to document and report the misuse of my personal information, and this XXXX account is an unauthorized tradeline that should not be associated with me in any capacity. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am invoking the following provisions : Legal Basis for Deletion Under the FCRA : 15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft Once a consumer provides appropriate proof of identity theftincluding an Identity Theft Report and supporting documentationconsumer reporting agencies are required to block such information from their files within XXXX business days. 
15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a fraudulent accounteven XXXX with a {$0.00} balancedamages my credit profile and is inherently inaccurate. 
15 U.S.C. 1681i Reinvestigation of Disputed Information Upon receipt of a dispute, a CRA must reinvestigate and delete unverifiable or inaccurate information within 30 days, or within XXXX business days if identity theft documentation is submitted. 
15 U.S.C. 1681n & 1681o Civil Liability Failure to comply with any of the above FCRA obligations may result in legal liability for both negligent and willful noncompliance.

My Formal Request : I am demanding the following : 1. Permanently delete the fraudulent XXXX account reporting with a {$0.00} balance from my Experian, Equifax, and TransUnion credit reports. 

2. Block this account from any future reinsertion unless you receive full, verifiable documentation that I am the legal account holderwhich I am not. 

3. Provide written confirmation outlining the results of your reinvestigation and documentation of the accounts removal.

4. Ensure that your procedures remain in full compliance with FCRA standards for future reporting accuracy. 

I have included my FTC Identity Theft Affidavit and related police report documents in previous correspondence and am willing to resubmit these again if needed to ensure compliance. 
This situation continues to cause unnecessary harm to my credit profile and financial peace of mind. If this matter is not resolved in a timely and lawful manner, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies as needed. 

Thank you for your attention and expected cooperation in the resolution of this dispute. I expect a full response within the legal timeframe required by the FCRA. 

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