Consumer complaint received 2025-05-17 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:
Formal Complaint to the Consumer Financial Protection Bureau Date : XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau, This formal complaint is being submitted regarding the unauthorized and unlawful actions taken by XXXX XXXX XXXX, and their reporting of a fraudulent debt to the credit reporting agencies in violation of multiple federal statutes. The following outlines the facts, legal violations, and harm caused to me, the consumer. 
1. Identity Theft & Fraudulent Accounts Two unauthorized accounts were fraudulently opened in my name under XXXX XXXX I have never opened these accounts, nor authorized their creation. These accounts were charged off and sold to XXXX XXXX XXXX. I have filed an identity theft report with the FTC and I demand that these fraudulent accounts be removed from my credit report pursuant to 15 U.S.C. 1681c2. 
XXXX. No Consent to Report or Collect Debt I did not grant XXXX XXXX XXXX prior consent to report any debt to the credit reporting agencies. There was no court order authorizing such action. This violates 15 U.S.C. 1692c ( a ) which prohibits communication with third parties about a debt without consent or court permission. 
XXXX. False and Misleading Reporting XXXX XXXX XXXX failed to accurately mark the account as disputed and continued to report false information. This is a violation of 15 U.S.C. 1692e ( 8 ). Additionally, there is no signed contract between me and XXXX XXXX XXXX regarding this debt, rendering their reporting deceptive under 15 U.S.C. 1692e ( 2 ), ( 5 ), ( 10 ), and ( 12 ). 
XXXX. Failure to Investigate Disputes Despite my formal disputes, XXXX XXXX XXXX failed to properly investigate or validate the alleged debt. Continued reporting under these circumstances violates 15 U.S.C. 1681n and 1681o. 
XXXX. Financial and Emotional Harm Due to the actions of XXXX XXXX XXXX, I have suffered credit denials, loss of housing opportunities, stress, anxiety, and mental anguish. This constitutes actual damages under 15 U.S.C. 1692k ( a ) ( 1 ). 
XXXX. Unauthorized Use of Social Security Number XXXX XXXX XXXX used my Social Security Number without authorization in an attempt to collect and report debt, violating 15 U.S.C. 1644 ( a ).

7. Gramm-Leach-Bliley Act Violation I was not given the opportunity to opt out of data sharing or reporting, a violation referenced under the Gramm-Leach-Bliley Act and 15 U.S.C. 6802. 
XXXX. Legal Relief Requested I demand the immediate removal of the XXXX XXXX XXXX account from all credit reporting agencies under FCRA 1681c2. I further request an investigation into the actions of XXXX XXXX XXXX and all relevant parties for the aforementioned violations. I also reserve my right to pursue civil action for damages under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX

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