Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
For XXXX Bank XXXX ( Charge-Off / Collections Account ) Consumer : XXXX XXXX XXXX XXXX It XXXX Concern, I, XXXX XXXX XXXX XXXX formally disputing the fraudulent XXXX Bank XXXX credit card account that is appearing on my credit report with the following details : Creditor : XXXX Bank XXXX XXXX XXXX : {$1900.00} Credit Limit : {$1500.00} Status : In Collections/ Charge-Off Payment Status : XXXX Days Late Last Payment Reported : XX/XX/XXXX Opened : XX/XX/XXXX Closed by XXXX XXXX : XX/XX/XXXX Remarks : Profit and Loss Write-Off I want to state clearly : I did NOT open this account. I did NOT authorize this account. I did NOT make any payments, charges, or activity on this account. 
This account was created using my personal information that was stolen during a data breach, where my name and personal details were exposed and used by an unknown party. 

This XXXX Bank XXXX account is identity theft, and I demand this account be removed immediately. 

WHY THIS IS FRAUD / IDENTITY THEFT My identity was compromised in a data breach, and several unauthorized accounts were opened using my stolen personal information. 

For this XXXX Bank XXXX account : I never applied for this credit card. 

I never activated this credit card. 

I did not authorize any charges or transactions. 

I did not authorize any credit limit. 

I did not make the " last payment '' they are reporting. 

There is XXXX connection between me and this account beyond the unauthorized use of my compromised personal information. 

FEDERAL LAWS XXXX BANK XXXX IS VIOLATING FCRA Violations XXXX. FCRA XXXX Accuracy Requirements They must maintain accurate information. Reporting identity theft is inaccurate reporting. 

2. FCRA 605B Mandatory Block of Identity Theft Accounts Under 15 U.S.C. 1681c-2, once notified that the account is identity theft, they must : Block the account Notify all credit bureaus Cease ALL reporting Remove all negative information within 4 business days.

They have not done this.

3. FCRA 611 Failure to Conduct a Reasonable Investigation They are required to investigate disputes.

A fraudulent account can not be verified.

4. FCRA 623 ( a ) ( 3 ) Reporting Information They Know is False Once I notify them the account is fraudulent, continuing to report it violates the law.

5. FCRA 623 ( b ) Furnisher 's Duty After Notice of Dispute They must investigate, verify, modify, or delete.

They have not verified anything because identity theft can not be verified.

FDCPA Violations ( If sent to collections ) 1. FDCPA 807 Misrepresentation of a Debt Attempting to collect a debt I do not owe is illegal.

2. FDCPA 808 Unfair and Unconscionable Means Trying to collect identity-theft debt violates federal law.

3. FDCPA 809 ( b ) Failure to Validate They must provide : Signed application Identification Contract Transaction history They can not provide any of this because I never opened the account. 

DEMANDS FOR CORRECTION & IMMEDIATE ACTION I, XXXX XXXX, demand the following actions : 1. Immediately delete this fraudulent XXXX XXXX XXXX account From Experian, Equifax, and TransUnion. 

XXXX. Block this account as identity theft under FCRA 605B.

3. Cease all collection activity permanently.

4. Provide full validation ( if they claim the account is mine ), including : Signed credit card application Copy of ID used XXXX address or device used to apply Date/time of account opening Documentation of all charges and authorizations None of this exists because I did not open this account. 

XXXX. Provide written confirmation that : The account has been deleted The account will not reappear All negative reporting is removed No future collection attempts will occur CONSEQUENCES FOR NON-COMPLIANCE If XXXXXXXX XXXX XXXXXXXX or any collection agency continues reporting this fraudulent account : I will escalate to : CFPB FTC State Attorney General Possible civil action for damages ( FCRA 616 & 617 ) Under federal law, XXXX Bank XXXX XXXX be held liable for : Statutory damages Actual damages Punitive damages Attorneys fees Regulatory penalties CONCLUSION This XXXX Bank XXXX account is identity theft, created after my personal information was exposed in a data breach. 
It is NOT my account. 
It MUST be deleted immediately. 

Signed, 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