Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Urgent Dispute : Unauthorized Account Reporting Immediate Action Required for Account Removal To Whom It May Concern, I am submitting this formal dispute to demand the immediate deletion of an unauthorized account opened in my name, reported by XXXX with account number XXXX. I assert this account was fraudulently created without my authorization or consent. It has been verified by XXXX XXXX XXXX, the current owner, as fraudulent, and XXXX Funding has officially requested its removal from all credit reporting agencies. However, XXXX, despite no longer owning this debt, continues to report the account on my credit file, engaging in what appears to be an unlawful double-dipping violation by claiming this debt after selling it.

1. Violation of FCRA Provisions and Legal Inaccuracies Pursuant to Section 609 ( a ) and Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), every item on a credit report must be accurate, verifiable, and timely. The continued reporting of this account by XXXX, despite relinquishing ownership of the debt, violates these statutory provisions. This inaccuracy breaches my rights to fair and accurate reporting, as established under the FCRA. 

Additionally, XXXX reporting is inconsistent with Section 623 ( a ) ( 2 ) of the FCRA, which mandates that information furnishers promptly update and correct information previously reported. Since XXXX XXXX XXXX, as the legitimate owner, has recognized this account as fraudulent and directed its removal, XXXX is knowingly in violation of this law by reporting information they no longer verify or control. 

2. Experians Compliance Failure and Ethical Obligations Experians role as a credit reporting agency obligates it to uphold rigorous standards for accuracy and to conduct thorough investigations, per FCRA Section 611 ( a ) ( 1 ) ( A ). However, despite substantial documentation submitted by myself and XXXX XXXX XXXX confirming this accounts fraudulent status, Experian has allowed the account to persist on my credit report. This lack of action appears as a breach of Experians statutory duty to ensure accurate, complete, and fair reporting. By allowing XXXX to continue reporting a debt they no longer own, Experian is complicit in the perpetuation of misinformation, enabling potential harm to my credit reputation. 

XXXX. Significant Damages Incurred Due to Reporting Negligence The prolonged presence of this invalid account on my credit file has caused measurable harm to my creditworthiness, unjustly damaging my credit score and undermining my financial standing. This ongoing reporting represents not only a breach of consumer protection statutes but also tangible damages to my financial health. 

Demand for Immediate Action In light of these FCRA violations and the clear legal deficiencies in both WebBanks and Experians handling of this matter, I hereby demand : 1. Immediate Deletion : The complete removal of the XXXX account ( Account XXXX. XXXX ) from my credit report with all credit bureaus. 
XXXX. Updated Verification Notice : Written confirmation that this account has been permanently deleted from my credit file, sent to my address below. 
XXXX. Future Compliance : Assurance that Experian will adhere to FCRA standards and reject similar unauthorized reporting in the future. 

Failure to comply with this demand will leave me with no alternative but to pursue all legal avenues available to me to enforce my rights under federal law, including but not limited to seeking damages for credit harm incurred as a result of Experians and WebBanks neglectful reporting practices. 

Please consider this correspondence as an urgent and formal dispute, requiring an expedient response in adherence to all applicable FCRA timelines. This matter is non-negotiable, and I expect confirmation of full resolution within 30 days as outlined by the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : 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