Consumer complaint received 2025-06-26 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:
A fraudulent XXXX  account was opened in my name without my knowledge or consent. The account was later sold to XXXX XXXX XXXX. I discovered it while reviewing my Experian credit report and immediately filed an identity theft affidavit with the FTC and a police report with the XXXX Police Department ( Case # XXXX ). 

I submitted a formal FCRA 605B identity theft blocking request to Experian along with all required documentation, including my affidavit, police report, and written request. Despite this, Experian has continued to report the account. 

XXXX has already confirmed to the CFPB that the account is fraudulent, that it has been closed, and that deletion was requested with the credit bureaus. XXXX and XXXX  removed the account, but Experian has not. 

This is a violation of FCRA 605B ( failure to block identity theft accounts ), 607 ( b ) ( maximum accuracy ), and 623 ( b ) ( duty to investigate ). I am requesting immediate deletion of this account and written confirmation of compliance. 



To : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : FCRA 605B Identity Theft Blocking Request & Metro 2 Compliance Dispute Re : Fraudulent Account : XXXX  Acct # : XXXX To Whom It May Concern : I am writing to formally dispute and request permanent deletion of a fraudulent tradeline listed under XXXX ( Acct XXXX XXXX XXXX ) still appearing on my Experian credit report. 

This account is the direct result of identity theft. I have never opened, authorized, or had any financial relationship with XXXX or XXXX. The account was falsely opened in my name and subsequently sold to XXXX XXXX XXXX, who confirmed to the Consumer Financial Protection Bureau ( CFPB ) that the tradeline was to be deleted. 

Per my rights under the Fair Credit Reporting Act ( FCRA ), I am invoking the following statutes : FCRA 605B Identity Theft Blocking I previously submitted : A sworn FTC Identity Theft Affidavit A police report ( XXXX XXXX Incident # XXXX ) A full written request to block this fraudulent tradeline Under this section of the law, Experian is required by federal law to block this item from my credit file within 4 business days. Failure to do so exposes Experian to civil liability under FCRA 616 and 617.

FCRA 607 ( b ) & 623 ( b ) Maximum Accuracy & Furnisher Investigation The continued reporting of this known fraudulent account, after being confirmed for deletion by XXXX, constitutes willful and/or negligent noncompliance with your obligations to ensure the accuracy of consumer data. 



Metro 2 Compliance Violations The tradeline violates Metro 2 reporting standards, including : Contradictory status : Charged off and Closed with a {$0.00} balance Improper comment : Purchased by another lender while still showing as derogatory No clear DOFD, monthly payment, or balance update logic This reporting falsely depresses my credit score and misrepresents the nature of the account. 



DEMAND FOR RELIEF I am demanding the permanent deletion of this tradeline from my Experian credit report and : 1. Written confirmation of the deletion 2. A reinvestigation summary 3. Updated consumer disclosure file after removal Failure to comply will result in further legal action, including but not limited to : Filing additional complaints with the CFPB, FTC, and XXXX Attorney General Considering civil litigation for statutory and actual damages under FCRA 616 and 617 Please process this dispute under FCRA 605B and ensure compliance with Metro 2 formatting standards. 

Sincerely, XXXX XXXX XXXX XXXX : FTC Identity Theft Affidavit XXXX Police Department Report CFPB Response from XXXX confirming deletion Credit report screenshot ( showing account still listed by Experian )

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