Hypothetical question
credit report has a charged-off credit card from a bank i never had. disputed 3 times with experian — each time they come back as "verified." but i never opened that account. how do i actually get this removed?
credit report has a charged-off credit card from a bank i never had. disputed 3 times with experian — each time they come back as "verified." but i never opened that account. how do i actually get this removed?
FCRA violation if they're not actually investigating. file a CFPB complaint AND a state AG complaint. include all your prior dispute correspondence. attaches consequences.
also send a "method of verification" demand letter — under FCRA they have to tell you HOW they verified. usually they can't, which forces deletion.
also file a police report for identity theft AND get a IdentityTheftReport.gov filing. those make removal easier and create a paper trail.
FCRA gives you a private right of action against credit bureaus for failure to conduct a reasonable reinvestigation. Statutory damages of $100-1,000 per violation plus attorneys' fees.
Sequence: (1) Method of verification request under FCRA, (2) CFPB and state AG complaints with the verification responses (or lack thereof), (3) FTC identity theft report if it's an unauthorized account, (4) demand letter on attorney letterhead citing FCRA violations. Informational only.