Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute of Fraudulent Collection Account and Inquiries Experian Reporting I am submitting this formal dispute regarding multiple fraudulent entries on my Experian credit report, including a collection account reported by XXXX XXXX XXXX and several unauthorized credit inquiries that I did not initiate, authorize, or consent to. 
These entries are the direct result of identity theft, as documented in the enclosed FTC Identity Theft Report ( Report # FTC Report Number : XXXX ). Pursuant to 15 U.S.C. 1681c2, you are legally obligated to block all information resulting from identity theft within four business days of receiving proper documentation. 

DISPUTED COLLECTION ACCOUNT Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX Partial Account Number ( as reported ) : XXXXXXXX XXXX XXXX Balance : {$470.00} Date Opened ( per Experian ) : XX/XX/XXXX Date Reported ( per Experian ) : XX/XX/XXXX Status : Collection/Chargeoff Despite my repeated requests for debt validation, I have never received any supporting documentation or contractual agreement bearing my signature. Reporting a collection without verification, proper validation, or consistent information across bureaus violates multiple sections of the FCRA. 

FRAUDULENT CREDIT INQUIRIES The following Experian inquiries were made without my knowledge or authorization, and must also be blocked and removed under FCRA 1681c2 and 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries constitute unauthorized access to my consumer file, in direct violation of : FCRA 1681b ( f ) Permits access to a credit report only under permissible purposes ; these inquiries occurred without any such authorization.

FCRA 1681c2 Requires that all information resulting from identity theft be blocked from consumer reports upon proper notice.

FCRA 1681e ( a ) Imposes a duty on CRAs to prevent access to a consumers file by unauthorized parties.

LEGAL VIOLATIONS FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Failure to verify disputed information.

FCRA 611 ( a ) ( 5 ) ( A ) Inaccurate or unverifiable items must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information.

FCRA 607 ( b ) CRAs must use procedures ensuring maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Consumers have the right to full disclosure of all information in their file.

FCRA 1681c2 Information resulting from identity theft must be blocked within four days.

FCRA 1681b ( f ) Credit reports may not be obtained without a permissible purpose.

FDCPA 809 ( b ) If XXXX XXXX XXXX is a debt collector, they are required to provide debt validation, which they have not. 


ACTIONS REQUESTED Immediately block and delete the fraudulent XXXX XXXX XXXX collection account from my Experian credit file. 
Remove all unauthorized Experian inquiries listed above under FCRA 1681b and 1681c2.

Provide written confirmation of these removals. 
Ensure no future re-reporting of this information without full legal compliance and notice. 

FINAL NOTICE You have received valid documentation, including my FTC Identity Theft Report, and are legally obligated to act. Failure to comply will result in further legal escalation through the Federal Trade Commission ( FTC )

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