Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), RE : Formal Complaint Against XXXX ( XXXX XXXX XXXX ) Account # : XXXX This is a formal complaint regarding an account allegedly opened with XXXX ( XXXX XXXX Operations ), reflected on my credit report as : Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$940.00} Account Type : Open Account / XXXX XXXX : XXXX Collection Account Remarks : Account information disputed by consumer Verified : XX/XX/XXXX This account is fraudulent, and I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. I have never authorized or consented to any such account. Despite this, XXXX continues to report this negative information to all three major credit bureaus. 

XXXX continued reporting of this invalid debt is a willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( b ), which requires furnishers of information to investigate disputes thoroughly and correct or delete inaccurate, incomplete, or unverifiable information. This did not occur in my case.

Their inaction and failure to provide proper documentation to validate this debt constitute negligence and harassment. This erroneous tradeline is causing irreparable damage to my credit profile and personal well-being. In addition, XXXX ( or its collector, XXXX XXXX XXXX ) has not furnished a Form 1099-C, despite claiming the account is in collection and charged off, which further violates IRS rules regarding canceled debts and reflects questionable accounting practices.

Despite multiple disputes, the only remark shown on the account is : Account information disputed by consumer.

This vague remark proves no real investigation occurred, and XXXX has failed to substantiate the debt in accordance with federal law and Texas statutes. 

Furthermore, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This letter is a formal cease and desist : You are hereby directed to cease all forms of collection contact and communication with me immediately regarding this matter, including but not limited to letters, phone calls, emails, or any further credit reporting activity.

Your refusal to correct and remove this fraudulent item is both defamatory and unlawful. If this account is not removed from my credit report immediately, I will pursue all available legal remedies, including seeking statutory damages, court costs, and attorney fees.

Requested Resolution : Immediate deletion of the fraudulent XXXX account ( XXXX ) from all credit bureaus Written confirmation that this account has been removed No further reporting, contact, or collection attempts regarding this matter I trust that the CFPB will take swift action to address this complaint. All supporting documentation, including my FTC Identity Theft Report, is available upon request.

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