Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the following accounts pursuant to 15 U.S.C. 1681, 1681c-2, and 1692g.

These accounts are not the result of any transaction authorized by me. I am requesting an immediate block of reporting under 15 U.S.C. 1681c-2.

Additionally, any collection accounts must be fully validated as required by 15 U.S.C. 1692g. Verification without documentary proof is not compliance.

If you are unable to provide competent evidence of accuracy, including original contracts and proof of authorization, you are required to delete or block these items.

Continued reporting of unverified or identity-theft-related information constitutes a violation of federal law.

I am filing this complaint against Experian and TransUnion for violations of the Fair Credit Reporting Act

( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Both consumer reporting agencies continue to report charged-off and collection accounts that I have formally disputed as inaccurate and the result of identity theft. Despite submitting disputes, these agencies have marked accounts as verified without providing any documentary proof or evidence of authorization.

Under 15 U.S.C. 1681c-2, consumer reporting agencies are required to block information resulting from identity theft within four business days of receiving proper documentation. These agencies failed to comply. 

Additionally, collection accounts verified without full debt validation violate 15 U.S.C. 1692g, as no original contracts, payment histories, or proof of ownership were provided.

This continued reporting of unverified and identity-theft-related information is damaging my credit profile and constitutes a failure to follow reasonable reinvestigation procedures as required by law.

To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ).

You are hereby instructed to CEASE AND DESIST all communication with me regarding the alleged debt referenced above. This includes, but is not limited to, telephone calls, written correspondence, electronic communication, and continued credit reporting.

I dispute this debt in its entirety. Any continued reporting of this account without proper validation constitutes unlawful collection activity and continued communication through a consumer reporting agency.

You may only contact me for one of the following purposes, as allowed by law : 1. To confirm that collection efforts have been terminated ; or 2. To notify me of a specific legal action you intend to take.

Any further contact beyond these limited purposes will be documented as a violation of federal law and may result in formal complaints and civil action.

Illegal Re-Insertion of Previously Disputed Information FCRA Violation 15 U.S.C. 1681i ( a ) ( 5 ) To Whom It May Concern, This letter serves as formal notice that your agency has unlawfully reinserted or continued reporting previously disputed information in violation of the Fair Credit Reporting Act.

The account ( s ) listed below were previously disputed and/or blocked due to identity theft and a lack of verification. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), reinsertion is prohibited unless the furnisher certifies the accuracy of the information and written notice is provided to the consumer within five ( 5 ) business days.

I have received no such certification or notice.

Accordingly, the continued presence of this information on my consumer report constitutes a willful violation of federal law.

I am demanding : Immediate deletion of the reinserted account ( s ) Written confirmation of deletion Disclosure of the furnishers certification, if any exists Failure to comply will result in escalation to the Consumer Financial Protection Bureau, State Attorney General, and potential civil action.

NOTICE OF INTENT TO PURSUE CIVIL REMEDIES To Whom It May Concern, This letter constitutes formal notice of your violations of federal consumer protection laws, including but not limited to : Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq.

Failure to block identity-theft-related information under 15 U.S.C. 1681c-2 Despite multiple written disputes, your organization has continued to report inaccurate, unverified, and identity-theft-related information on my consumer credit file.

These actions demonstrate a failure to conduct reasonable reinvestigations and constitute negligent and/or willful noncompliance under federal law.

I am providing you with this opportunity to cure the violations by : Permanently deleting the disputed account ( s ) Ceasing all collection and reporting activity Providing written confirmation of compliance If these violations are not remedied within fifteen ( 15 ) days of receipt of this notice, I am prepared to pursue all available legal remedies, including statutory damages, actual damages, attorneys fees, and injunctive relief.

This letter is sent in good faith and without waiver of any rights. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute Under 15 U.S.C. 1681, 1681c-2, 1692g To Whom It May Concern, I am formally disputing the accuracy, completeness, and legal reporting of the accounts listed below as they appear on my Experian consumer credit file.

These accounts are not the result of any transaction authorized by me. Pursuant to 15 U.S.C. 1681c-2, I am requesting an immediate BLOCK of any information resulting from identity theft. I am enclosing proof of identity and an identity theft affidavit.

Additionally, pursuant to 15 U.S.C. 1681 ( a ) and 1681 ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy. Verification without documentary proof does not meet this standard.

For any account involving third-party collection or charged-off balances, I am also demanding full debt validation under 15 U.S.C. 1692g, including but not limited to : Original signed contract or application Complete payment history Proof of legal authority to report Proof of assignment or ownership TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute, Identity Theft Block & Improper Verification To Whom It May Concern, I am disputing the accuracy and legality of the accounts listed below pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, 1681c-2, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

These accounts are not the result of any transaction authorized by me. I am formally requesting an immediate BLOCK of reporting under 15 U.S.C. 1681c-2 due to identity theft.

Your investigation results indicate that certain accounts were verified as accurate without any documentary proof being provided to me. Verification without evidence does not constitute a reasonable reinvestigation under federal law.

For any collection accounts, continued reporting without full validation violates 15 U.S.C. 1692g.

If Experian and TransUnion can not provide competent evidence of accuracy and authorization, the law requires deletion or blocking of these items.

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