Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Formal Demand for Immediate Deletion of Fraudulent Account File XXXX DEAR XXXX  XXXX XXXX I represent XXXX XXXX XXXX, and I am writing to formally demand the immediate deletion of the fraudulent account listed under XXXX ( XXXX ) from my clients credit file. This account was opened due to identity theft and has been thoroughly disputed with both the creditor and your bureau multiple times. 

Despite our repeated disputesincluding the submission of a sworn identity theft affidavit and a police reportyou have continued to report this account as charged off, with a balance of {$3200.00} as of XX/XX/year>. This is a blatant violation of my clients rights under several federal laws. 

Most critically, XXXX XXXX XXXX XXXX ( XXXX ) has acknowledged receipt of our fraud claim and confirmed the account was the result of identity theft. Therefore, this tradeline should have already been permanently deleted from my clients credit report. Your continued reporting of this derogatory item is unjustified, harmful, and unlawful. 

Legal Violations You Are Now Liable For : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i You failed to conduct a reasonable reinvestigation after multiple disputes were filed.

You failed to delete inaccurate and unverifiable information within 30 days.

You reinserted or continued reporting disputed information without proper certification from the furnisher.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 Upon receipt of proof of identity theft and a police report, you were legally required to block the fraudulent account from appearing in the consumer report within 4 business days. You did not.

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692d & 1692e By continuing to report a fraudulent debt, you have engaged in harassment and false representation of the character, amount, or legal status of a debt.

4. Consumer Financial Protection Bureau ( CFPB ) Regulations Your negligence in upholding federally mandated standards regarding fraud investigation has now triggered liability under CFPB guidelines. 

As a result of your willful non-compliance, I have initiated formal arbitration proceedings against your bureau for the following : Emotional distress Negligent misreporting Failure to correct known inaccuracies Damages due to credit denial and defamation Resolution Demand : To avoid further liability and escalation, including continued arbitration, I demand that : The XXXX account be permanently DELETED from my clients credit file. 
You issue a confirmation of deletion in writing within XXXX calendar days. 
You cease and desist from reporting this fraudulent tradeline or sharing it with any third party. 
PAY MY CLIENT {$3000.00} for damage Should you fail to comply with these demands, I am fully prepared to move forward with arbitration and file complaints with the FTC, and the Office of the Attorney General. 
This is your final opportunity to rectify your reporting error in good faith.

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