Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding a fraudulent collections account that XXXX XXXX XXXX began reporting to Experian on or around XX/XX/XXXX. This account does not belong to me and was opened using my personal information without my knowledge or consent. 

Information appearing on my Experian credit report : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Account Number : XXXX Balance : {$6700.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I also received an email from Resurgent Capital with the following account information ( email attached ) : Account Number : Ending in XXXX Original Creditor : XXXX XXXX  Current Owner : XXXX XXXX XXXXXXXX XXXXt ID : XXXX On XX/XX/XXXX, after discovering the fraudulent account, I filed an Identity Theft Affidavit/Report with the Federal Trade Commission XXXX I also notified XXXX XXXX and XXXX XXXX ( collectively, XXXX ) that the account was fraudulent, provided them a copy of the FTC Identity Theft Report, and requested immediate removal of the derogatory information from my credit report. 

On XX/XX/XXXX, I attempted to contact Experian by phone to open a fraud dispute. Unable to reach a representative, I submitted a written dispute and supporting documentationincluding the FTC Identity Theft Report, my drivers license, and proof of residencythrough Experians Document Upload Service. As of the date of this complaint, Experian has not acknowledged the dispute or initiated a fraud investigation. 
On XX/XX/XXXX, XXXX confirmed that it received my dispute and supporting documentation, including the FTC Identity Theft Report. XXXX informed me that its investigation may take up to XXXX days and that the derogatory account would remain on my credit report while the investigation is pending. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX is prohibited furnishing information known to be inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ) XXXX is prevented from reporting information resulting from identity theft after receiving an Identity Theft Report. Therefore, because XXXX is in receipt of my Identity Theft Report, they must cease all reporting of this derogatory account and continued reporting of this fraudulent account is a violation of my rights under the law. 

On XX/XX/XXXX, I again attempted to reach Experian by phone at XXXX and XXXX, but both numbers only provide automated options and do not allow consumers to speak with a representative. Under 15 U.S.C. 1681c-2 ( a ) Experian has a duty to block information resulting from identity theft upon receipt of an Identity Theft Report. Experian has been in receipt on my Identity Theft Report since XX/XX/XXXX and therefore has a duty to block the XXXX accounts from my credit report. Because Experian is in receipt of my Identity Theft Report, they must cease all reporting of this derogatory account and continued reporting of this fraudulent account is a violation of my rights under the law. 

As of the date of this filing, the fraudulent collections account remains on my credit report and is causing significant financial harm, including damage to my creditworthiness. This account does not belong to me. It is the result of identity theft, and both XXXX and Experian have failed to meet their legal obligations under the FCRA to investigate, block, and remove fraudulent information. 

I respectfully request that the CFPB require Experian and XXXX to comply with their obligations under federal law, including immediate deletion of the fraudulent account, confirmation of its removal in writing, and assurances that no further collection, reporting, or reinsertion of this fraudulent information will occur. 

I am attaching copies of my supporting documents including all documents submitted to Experian in support of my fraud dispute on XX/XX/XXXX, a copy of the email from the XXXX XXXX  and their attempt to collect on a fraudulent debt, a copy of the dispute filed with XXXX XXXX XX/XX/XXXX, and a copy of the FTC Identity Theft Report.

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