Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this urgent and formal complaint against XXXX XXXX XXXX for its willful, negligent, and harmful reporting of inaccurate information on my credit report. The debt in question allegedly originated from XXXX XXXX and was previously reported by XXXX XXXX XXXX. After a complete investigation, XXXX removed the entry, acknowledging it was not valid. 

Despite this, XXXX XXXX XXXX has knowingly re-reported the same invalid debt, in what can only be described as a deliberate and reckless violation of my rights as a consumer. Their continued misconduct is now causing serious and measurable harm to my credit, my livelihood, and my financial future. 

This is a Matter of Legal and Financial Urgency. 
I have formally disputed this debt and requested debt validation multiple times. 

I specifically asked XXXX XXXX XXXX to provide : A copy of the original agreement bearing my signature ; A complete itemized account history showing how the balance was calculated ; Proof of legal ownership or assignment of the debt ; And identity verification, including confirmation that the account is legally and correctly attributed to me. 

They have failed to provide any of this documentation. 

Worse, after I submitted my full Social Security Number for verification, XXXX XXXX XXXX falsely claimed not to know who I was and acted as if they never reported the account even though the collection is currently on my credit report under their name. This deceptive conduct suggests either gross incompetence or intentional evasion of responsibility. 

In addition, the name associated with this debt does not match my legal name a fact I had previously verified by submitting government-issued identification. Their repeated failure to correct this after multiple disputes and identity verification demonstrates a blatant disregard for the law and for my rights. 

Serious Harm Caused : Due to XXXX XXXX XXXX  unlawful reporting : My credit score has dropped XXXX points, directly damaging my ability to secure housing, employment opportunities, and financial products. 

I am now at risk of being denied essential services, housing options, and other life necessities because of an error they have the legal obligation to correct. 

This false and damaging entry is having a real-world impact on my livelihood, and the emotional and financial toll is growing daily. 

Clear Violations of Federal Law : XXXX XXXX XXXX is in direct violation of multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) Knowingly reporting false or inaccurate information. 

FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct a reasonable reinvestigation. 

FDCPA 809 ( 15 U.S. Code 1692g ) Failure to provide proper debt validation. 

FDCPA 807 ( 15 U.S. Code 1692e ) Use of false, deceptive, or misleading representations. 

FDCPA 805 ( b ) Failure to properly identify the consumer after validation and verification were provided.

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