Your identity was stolen. Write a letter to Experian asking to remove a bad account from your credit report. Mention the right laws.
I am writing to request that you remove a bad account from my credit report. I recently discovered that my identity has been stolen and this fraudulent account was opened in my name.
Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any inaccurate or incomplete information on my credit report. This includes accounts that are the result of identity theft.
I am enclosing evidence of the identity theft, including a police report and any documentation I have received from the financial institution where the fraudulent account was opened.
I would appreciate your prompt attention to this matter and the removal of this fraudulent account from my credit report.
Sincerely, \[Your Name\]