Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Subject : XXXX 's Non-Compliance with Section 605C of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing a formal complaint against Fingerhut/WebBank for their failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ) regarding the removal of fraudulent information from my credit report.

I am a documented victim of XXXX, and under Section 605C of the FCRA, consumer reporting agencies and furnishers are required to remove adverse information resulting from XXXX XXXX upon receipt of proper documentation. Despite my formal dispute and submission of XXXX  documentation, XXXX has failed to remove the account from my credit report, violating federal law. 

Details of the Complaint : I submitted a formal dispute and XXXX  block request to XXXX, Experian, and XXXX in accordance with Section 605C of the FCRA. 
The credit bureaus requested verification from XXXX, but XXXX failed to remove the fraudulent account from my credit report. 
I escalated the dispute by filing a CFPB complaint, but XXXX still refuses to comply with the law and continues reporting the account, causing ongoing damage to my credit and financial well-being. 
I have provided all required supporting documents, including proof of XXXX, yet XXXX has not honored my request as required under Regulation V XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Account Status : [ Charge-Off/Past Due/Delinquent ] Request : Immediate removal from my credit report Violation of Federal Law : Section 605C of the FCRA states that no adverse information resulting from XXXX  may be included in a consumer report if a victim provides documentation. 
Billing Code : XXXX, Bureau of Consumer Financial XXXX XXXX 12 CFR Part 1022, Docket No. XXXX, RIN XXXX prohibits credit furnishers from continuing to report fraudulent accounts tied to XXXX  XXXX. 
XXXX refusal to remove the fraudulent account violates federal consumer protection laws and has caused me undue financial and emotional distress. 
XXXX Requested : I request the CFPB to : XXXX XXXX to immediately remove the fraudulent account from my credit report as required by law. 
Investigate XXXX for failing to comply with federal regulations and take enforcement action if necessary. 
Ensure XXXX ceases reporting this account to all credit bureaus moving forward. 
Provide written confirmation of the removal of this account in accordance with Section 605C of the FCRA. 
XXXX 's continued non-compliance is unlawful and harmful. If this matter is not resolved promptly, I will consider additional legal action and further escalation to state and federal authorities. 

I appreciate your attention to this urgent matter and look forward to a resolution. 

Sincerely, XXXX 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