Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Todays Date ] To : TransUnion XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Fraudulent Charged-Off XXXX XXXX  Account Violation of FCRA and Consumer Rights Dear TransUnion and Experian, I am writing to formally dispute the fraudulent and inaccurate reporting of an account from XXXX XXXX  XXXX original loan amount : {$25000.00}, now showing {$26000.00} ) on my credit report. According to my official FTC Identity Theft Report # XXXX, I was the victim of identity theft, and this account was opened without my knowledge or consent in XX/XX/XXXX. I discovered the fraud in XX/XX/XXXX, as stated under penalty of perjury in the attached documentation. 

Inconsistencies and Legal Violations : XXXX. The account is still reporting post-charge-off : The account was closed on XX/XX/XXXX, and yet it is still being reported monthly as delinquent by TransUnion and Experian as late as XX/XX/XXXX. 
This is a direct violation of FCRA 1681c ( a ) ( XXXX ), which prohibits reporting of adverse information that is no longer accurate, relevant, or that misleads a consumers creditworthiness. 
XXXX. Balance Exceeds Original Loan : The highest balance was {$25000.00}, yet the reported balance is {$26000.00}, even after the account was closed. This inflation implies unauthorized activity and inaccurate reporting, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and complete information.

3. Violations of 15 U.S.C. 1681c-2 ( Section 605B ) : As this account is part of an identity theft case, you are legally obligated to block the reporting of such information within XXXX business days of receiving proof of identity theft ( which Ive attached ). 
Continued reporting of this fraudulent account is a violation of my rights under Section 605B. 
XXXX. False Delinquency Pattern ( XXXX XXXX on-time payments ) : This inaccurate portrayal of late payments over XXXX, XXXX, and XXXX misrepresents the nature of the account. A charged-off or closed account should not continue accruing late marks post-closure, especially when identified as fraudulent.

5. Consumer Harm and Emotional Distress : This reporting has caused undue hardship, denial of credit, higher interest rates, and emotional distress due to negligence in removing known fraudulent data. 

Requested Action : Pursuant to the Fair Credit Reporting Act, I am demanding the following : Immediate deletion of the XXXX XXXX  account from my credit file with TransUnion and Experian. 
Immediate cease and desist from further reporting or updating this account. 
Investigation results must be provided in writing within the required XXXX window. 
Monetary compensation may be pursued for emotional and financial damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

This letter serves as my formal notice under the FCRA, the Fair Debt Collection Practices Act, and applicable consumer protection statutes. If this matter is not resolved promptly, I will escalate with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for damages and statutory penalties. 

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