Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am requesting your immediate assistance to ensure the removal of two credit accounts from my TransUnion and Experian credit reports due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and other issues. The accounts are a XXXX XXXX XXXX account ending in XXXX and a XXXX XXXX XXXX account XXXX XXXX XXXX. This is my final attempt to resolve this matter before initiating a lawsuit against XXXX, the FDIC, and the CFPB for their failure to address these violations. 

XXXX, the issuer, acknowledged in their response to my complaint ( received via the FDIC on XX/XX/XXXX, enclosed below ) that my last name, XXXX, was misspelled as " XXXX '' for the Advantage account and " XXXX '' for the Fetti account due to a typographical error in my alleged XX/XX/XXXX online application. This error resulted in inaccurate personal information being reported to the credit bureaus, violating FCRA XXXX XXXX ( a ) ( XXXX ) ( A ), which requires furnishers to report accurate information. XXXX has demanded that TransUnion and Experian immediately remove both accounts from my credit report due to this inaccuracy, as stated in their response. However, TransUnion and Experian have not complied with XXXX demand, allowing these inaccurate accounts to remain on my credit report. 

Additionally, XXXX has XXXX to provide verifiable proof that I authorized or signed up for these accounts. Their claim that I completed an online application on XX/XX/XXXX, lacks evidence, such as a signed agreement or electronic signature record, violating FCRA Section 611 ( a ) ( 1 ), which mandates that furnishers verify disputed information. Without such proof, the accounts reporting is unauthorized and potentially fraudulent. Furthermore, XXXX failure to correct or delete the inaccurate information after my disputes violates FCRA Section 623 ( b ) ( 1 ) ( E ), which requires furnishers to delete or modify inaccurate data following a reasonable investigation. Their inadequate responses to my disputes from XX/XX/XXXX, to XX/XX/XXXX, also breach FCRA Section 623 ( b ) ( 1 ) ( C ), which mandates a thorough investigation of disputes. Additionally, XXXX failed to notify the credit bureaus of the disputed status of these accounts, violating FCRA Section 623 ( a ) ( 3 ).

XXXX XXXX  account ( 5068 ) was allegedly opened on XX/XX/XXXX, with a {$300.00} order placed on XX/XX/XXXX, shipped to XXXX XXXX XXXX, XXXX, NV. The unpaid balance of {$23.00} was charged off on XX/XX/XXXX, and sold to XXXX XXXX XXXX, XXXX, on XX/XX/XXXX. The XXXX account ( XXXX ) was created on XX/XX/XXXX, had no orders, and was closed on XX/XX/XXXX. I dispute the validity of these accounts, as XXXX has not provided documentation proving my consent to open them. 

I have disputed these accounts with the credit bureaus from XX/XX/XXXX, to XX/XX/XXXX, and communicated with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, without resolution. On XX/XX/XXXX, I discussed the name error with Fingerhuts billing department, but the call ended before changes could be made, indicating their failure to comply with FCRA Section 623 ( b ) ( 1 ) ( D ) by not promptly correcting errors. 

Please ensure TransUnion and Experian remove these accounts from my credit report immediately, as XXXX has demanded, due to the inaccurate personal information, lack of proof of account authorization, and multiple FCRA violations. Enclosed is XXXX response confirming their demand for removal, which TransUnion and Experian have failed to honor. Failure to resolve this matter promptly will result in legal action against XXXX, the FDIC, and the CFPB for their negligence in addressing these issues. 

Thank you for your immediate attention.

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