Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> XXXX Fraud Department XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Formal Dispute of Fraudulent Account ( XXXX XXXX # XXXX ) Police Report Tracking # XXXX | FTC Report XXXX XXXX | CFPB Case # XXXX To Whom It May Concern : I am writing to formally escalate my dispute regarding the fraudulent XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX and to address critical flaws in your identity verification process. This account was fraudulently opened using my personal information, as substantiated by the enclosed documentation. Most notably, your records list a phone number ( XXXX ) that does not belong to me and was never authorized for usemy correct phone number is XXXX. This fundamental error invalidates any claim of proper verification and further confirms this account was fraudulently opened.

Key Issues 1. Incorrect Verification Details The phone number ( XXXX ) listed on the account is not associated with me in any way. 
Failure to verify accurate identifying information constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

2. Conclusive Evidence of Fraud Police Report ( # XXXX ) : Verifies identity theft and unauthorized account activity. 
FTC Identity Theft Report ( # XXXX ) : Sworn affidavit confirming fraudulent use of my identity. 
XXXX XXXX ( CFPB Case # XXXX ) : Acknowledged the account was fraudulent and confirmed removal from credit reporting. 
3. FCRA Compliance Failures Experian and possibly other credit bureaus continue to report this account, despite evidence proving it is fraudulent. 
As per the FCRA, all information furnished must be accurate and promptly corrected when disputed.

Demands for Immediate Action 1. Permanently Close the Account Remove all records from XXXX XXXX XXXX 
Notify all credit bureaus to delete the tradeline associated with this account. 
2. Acknowledge Verification Failure Confirm in writing that the phone number used ( XXXX ) was not valid for verification. 
3. Written Confirmation Required Provide documentation confirming : Permanent account closure.

Deletion of all associated credit reporting. 
Acknowledgment that verification via XXXX was erroneous. 
4. Explain Internal Failures Detail how your identity verification procedures allowed this discrepancy to go unchecked.

Consequences for Non-Compliance If I do not receive a written resolution within 15 days ( by XX/XX/year> ), I will escalate this matter to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California Attorney Generals Office Legal counsel for violations under the FCRA, FDCPA, and California Consumer Privacy Act ( CCPA ) Enclosures 1. Police Report ( # XXXX ) 2. FTC Identity Theft Report ( # XXXX ) 3. CFPB Complaint Response ( Case # XXXX ) You may contact me directly at XXXX or XXXX. I expect full resolution and written confirmation by XX/XX/year>. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Experian, California Attorney

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