Consumer complaint received 2026-03-08 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: OR

Complaint narrative:
I am filing this complaint because a credit card account reported by XXXX XXXX on my credit report through Experian does not belong to me and appears to be the result of identity theft. Despite submitting extensive documentation and disputing this account multiple times, the account continues to be reported and repeatedly reinserted on my Experian credit report. This issue has now reached XXXX # XXXX, meaning the same disputed tradeline has been removed and reinserted numerous times despite clear evidence showing the account is not mine. XXXX XXXX claims the account activity originated from a specific XXXX address. However, I have already provided proof showing that the XXXX address XXXX XXXX claims was used does not match my verified mobile XXXX address or my residential location XXXX address. I submitted documentation showing both my mobile XXXX and my location XXXX, and neither matches the XXXX address XXXX XXXX claims was used to open the account. The documentation XXXX XXXX relies on appears to be an incomplete application. XXXX XXXX has referenced the E-SIGN Act as justification for the account, but there is no documentation showing that I provided electronic consent or authorization for this account. The materials provided appear to be partial application records rather than a complete and verifiable agreement. XXXX XXXX also references a XXXX XXXX bank account as part of their verification process. I contacted XXXX XXXX directly and was informed that they can not locate me in their system and can not provide any records linking me to an account or financial relationship with them. This directly contradicts the information XXXX XXXX claims connects me to this account. I also contacted XXXX XXXX XXXX, where I maintain accounts, to verify whether any XXXX XXXX activity appears in my financial records. XXXX informed me that retrieving older records would require paid statement reconstruction, but based on the recent years of records available there is no XXXX XXXX activity associated with my accounts. Despite this documentation, Experian continues to report and update the XXXX XXXX tradeline. With each reinsertion cycle, Experian continues reporting charge-off ( XXXX ) status into XXXX, which suggests ongoing republication of derogatory information rather than a single charge-off event. Experian has also failed to disclose the Date of First Delinquency ( DOFD ) associated with this account, even though I have requested it multiple times. Without disclosure of the DOFD, the accuracy of the reporting timeline can not be verified. Additionally, Experian has not provided the Method of Verification ( MOV ) explaining what documentation or investigation records were used to validate this debt. Instead, my disputes are repeatedly closed with generic responses stating that the investigation was completed and that I disagree with the results. I have also previously documented inconsistencies in XXXX own payment history reporting. In earlier versions of the report, Experian displayed OK payment history indicators before the tradelines reported opening date, which is a chronological reporting inconsistency. Experian has ignored this issue despite it being clearly explained in my dispute letters. After numerous disputes with both XXXX XXXX and Experian , and after providing identity theft documentation and institutional verification evidence, the account continues to be reported even though it does not belong to me. For this complaint, I am attaching the following supporting documentation : FTC Identity Theft Report Police Report documenting identity theft Dispute Letter # XXXX addressing XXXX discrepancies and identity verification issues Dispute Letter # XXXX regarding the continued reinsertion of the account Documentation showing my verified mobile XXXX address and residential XXXX address, which do not match the XXXX address XXXX XXXX claims was used These documents demonstrate that I am not the owner of this debt and that the account appears to have been opened fraudulently.

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