Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
Re : Cease & Desist Alleged Account # _________ | Reported Balance {$1500.00} To Whom It May Concern : I am formally notifying XXXX XXXX XXXX XXXX to CEASE and DESIST all collection activity, including but not limited to phone calls, letters, emails, third-party contact, and credit reporting regarding the above-referenced alleged debt. 

This account is disputed as inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), you are required to immediately cease further communication with me except to confirm in writing that you are terminating collection efforts, or to notify me of specific legal action you intend to take. 

Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and 1681i, no account may be reported to any consumer reporting agency without full validation of ownership, lawful assignment, and complete chain of custody from the original creditor. 

Reporting unverified or inaccurate information constitutes a violation of federal law. 
Since this alleged account was reported as opened on XX/XX/year>, yet XXXX XXXX XXXX XXXX is also listed as the original creditor and debt collector, I demand immediate clarification and validation of how you obtained this account and under what authority you are reporting it. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX  Attorney General, and potential civil action for statutory damages under the FDCPA and FCRA. 
You have 4 days to provide full validation of this account, including : - Copy of the original signed agreement or contract, - Complete chain of title/assignment from the original creditor to XXXX XXXX XXXX XXXXXXXX XXXX XXXX Proof of licensing to collect in the State of XXXX. 
If you can not provide this documentation, you must immediately delete this account from all consumer reporting agencies and cease all collection activity. 
Re : Fraudulent Collection Account Request for Deletion Account : XXXX XXXX XXXX  {$1500.00} FTC Identity Theft Report Number : XXXX Discrepancies Alone Identified : XXXX. Date Opened vs. XXXX Account opened XX/XX/year> but already shows as past due in XX/XX/year> with XXXX payment history. Impossible reporting.

2. Payment History Collections can not report monthly payment history. Metro 2 violation.

3. Balance Reporting Balance, original balance, and past due amount are identical ( {$1500.00} ). Collections can not report past due amounts.

4. Status Inconsistency Status incorrectly shows past due rather than outstanding balance.

5. Contradictory XXXX XX/XX/year> shows XXXX XXXX, even though account is newly opened.

Violations : - FCRA 605B : Failure to block fraudulent information after submission of identity theft report.

- FCRA 607 ( b ) : Failure to maintain maxi
mum possible accuracy.

- FCRA 623 ( a ) ( 6 ) : Furnisher reporting known inaccurate information.

- FDCPA 809 ( b ) : Continuing collection activity on a disputed fraudulent debt. 

Dear Sir/Madam, I am a victim of identity theft. An account has been fraudulently opened and reported in my name with Ability Recovery Services regarding XXXX XXXXXXXX XXXX XXXX XXXX, appearing on my Experian credit report with a balance of {$1500.00}. 

This account is not mine. I have never authorized, applied for, or had any business relationship with this creditor or collector. Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and permanent deletion of this fraudulent information from my credit file. 

Enclosed is my FTC Identity Theft Report ( Report XXXX XXXXXXXX ), filed on XX/XX/year>, which documents this identity theft. This report, submitted under penalty of perjury, provides sufficient evidence to require compliance under federal law.

My Formal Demands : 1. Experian, Transunion, XXXX  must block and remove this fraudulent collection account from my credit report within 4 business days of receipt, as required by FCRA 605B ( b ). 

XXXX. XXXX XXXX XXXX must immediately cease reporting, collecting, or attempting to validate this fraudulent account, in compliance with FCRA 623 ( a ) ( 6 ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

3. Written confirmation of deletion and suppression of this account must be sent to me within 15 days. 

Failure to comply will result in further escalation, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action for continued reporting of fraudulent data. 

Sincerely, XXXX XXXX XXXX : - FTC Identity Theft Report # XXXX - Copy of Drivers License / ID ( if available ) - Proof of Address

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