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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
b"To:XXXXEquifax\XXXX XXXX XXXX  GA XXXXExperianXXXX XXXX XXXX TX XXXXTransUnionXXXX XXXXXXXX XXXXXXXXXXXX  PA XXXXSubject: Formal Request for Removal of Fraudulent XXXX XXXX XXXX XXXX  FCRA  605B Compliance\n\nDear Credit Bureau Representative,\n\nI am writing to formally dispute the continued reporting of fraudulent account  associated with my XXXX XXXX XXXX XXXX (Account Number: XXXX XXXX XXXX XXXX) on my credit report.\n\nWhile this account was legitimately opened by me, an unknown individual fraudulently obtained and used my credit card information to make unauthorized charges. Upon discovering this suspicious activity, I immediately reported the matter to XXXX They closed the compromised account and issued a new credit card with a new account number to prevent further unauthorized use.\n\nDespite these actions, I have noticed that the credit bureaus continue to report this account's  information on my credit report. This is both inaccurate and damaging, and it violates my rights under the Fair Credit Reporting Act (FCRA).\n\nIn particular, FCRA Section 605B (15 U.S. Code  1681c2) requires credit reporting agencies to block information resulting from identity theft or unauthorized use within four business days of receiving proper notification. As I have already reported this fraud to the creditor, and I am now notifying you, the bureaus are legally obligated to block the fraudulent data from my report immediately, pending investigation.\n\nAllowing this account to remain unchanged on my credit report during your review process is not only a violation of the FCRA but can also expose your agency to civil liability, including:\n\nStatutory damages under 15 U.S. Code  1681n,\n\nActual damages and attorneys' fees under  1681o,\n\nAnd possible punitive damages for willful noncompliance.\n\nI am enclosing documentation, including a copy of my government-issued ID, proof of residence, and guidelines from the CFPB regarding FCRA Section 605B, which provide further instruction on your obligations when a consumer reports fraudulent use of their credit information.\n\nI formally demand the following:\n\nImmediate removal of the fraudulent XXXX XXXX XXXX XXXX  (No. XXXX XXXX XXXX XXXX).as stipulated by law this account must me blocked and or removed within 4 business days of been notified.\n\nWritten confirmation that the fraudulent data has been blocked or removed.\n\nAn updated copy of my credit report showing the correction.\n\nI trust that you will treat this matter with the seriousness and urgency it deserves and respond in full within the 4 business days  time frame established by federal law.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX MO XXXXEnclosures:\n\nCopy of Government-Issued ID\n\nProof of Address\n\nCFPB Guidelines: FCRA  605B"

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