Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand to Delete Fraudulent XXXX XXXX Account from My Credit Report Due to Fraud and Inaccuracy Dear Sir or Madam, I am writing to once again demand the immediate deletion of the XXXX XXXX account from my credit report due to the presence of fraudulent activity and inaccurate reporting. I have submitted multiple disputes with extensive documentation proving that this account was established and reported under fraudulent and deceptive circumstances, and yet it continues to appear on my credit report in violation of the Fair Credit Reporting Act ( FCRA ).

Details of the Fraud : The vehicle in question was purchased from XXXX XXXX and financed by XXXX XXXX XXXX After the purchase, I discovered that XXXX XXXX, without my knowledge or consent, added approximately {$15000.00} in unauthorized add-ons to the sales contract, charged me {$2000.00} above the agreed-upon sales price, and failed to honor a signed agreement to cancel a product called XXXX and send the funds to XXXX XXXX. 

I have formally notified XXXX XXXX of these actions and the pending disputes. Despite being made aware, the fraudulent account is still being reported on my credit file. 

I also submitted a fraud report to the Federal Trade Commission ( FTC ). The matter is currently under FTC investigation and pending litigation. Additionally, I provided this credit bureau with a settlement offer from XXXX XXXX and a copy of an email from XXXX XXXX XXXX, a XXXX at XXXX XXXX, acknowledging the fraudulent conduct. That settlement offer ( {$7500.00} ) was declined due to unresolved overcharges and long-term financial impact. 

Legal Basis for Removal : Even though the report filed was an FTC fraud report and not an identity theft affidavit, the law still provides protections that require the blocking of fraudulent accounts : 1. 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ) Blocking of Fraudulent Information A consumer reporting agency must block the reporting of any fraudulent account within four ( 4 ) business days of receiving a consumers request, along with supporting documentation, including a fraud report and proof of identity. 

Your agency has already received these documents. Therefore, you are legally obligated to block and stop reporting this account immediately, pending your investigation.

2. 15 U.S.C. 1681e ( b ) Duty to Report Accurate Information Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. This account includes charges that were fraudulently added, rendering the report inaccurate.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Reinvestigation Requirement If disputed information is found to be inaccurate or unverifiable, it must be promptly deleted from the credit file.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of the Furnisher Information furnished XXXX credit bureaus must be accurate. XXXX XXXX is continuing to furnish this data despite being notified of the fraud. 

Supporting Documentation ( Enclosed Again ) : FTC XXXX Report Email from XXXX XXXX XXXX acknowledging fraud Copy of the signed Luxcare cancellation agreement Copy of XXXX XXXX {$7500.00} settlement offer Proof of identity and current address Formal Demand : I respectfully demand that you : Immediately block and remove the XXXX XXXX account from my credit report, as required under FCRA Section 605B and other applicable law. 

Provide confirmation in writing that the account has been deleted within 15 days of this letter. 

Send me an updated copy of my credit report reflecting the change. 

If you fail to comply, I am prepared to escalate this matter by filing formal complaints with the FTC, CFPB, and pursue legal remedies under the FCRA, including statutory and punitive damages. 

Sincerely, 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