Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I am submitting this follow-up complaint to formally reiterate that the continued reporting of the following fraudulent accounts and unauthorized inquiry is unlawful and inconsistent with federal statutes. Despite multiple disputes and the submission of a valid FTC Identity Theft Report ( Report Number : XXXX ), these items remain inaccurately listed on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Fraudulent Accounts ( Identity Theft ) : XXXXXXXX XXXX Account # XXXX Reported as Charge Off I never opened this account or authorized its use. No signed agreement has ever been provided. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681c-2 : Failure to block identity theft information upon notice IRS 6050P : If this account was charged off and a 1099-C was not issued, it creates additional legal and tax reporting concerns XXXX Account # XXXX Reported as Charge Off This charge-off is unauthorized and fraudulent. I never applied for or used this account. 

Violations : Same as above XXXXXXXX XXXX Account # XXXX Reported as Charge Off I have no connection to this account. XXXX has failed to validate this debt despite repeated requests. 

Violations : FCRA 1681i : Failure to reinvestigate disputed item within 30 days FCRA 1681c-2 : Failure to block fraudulent item after identity theft notice FDCPA 1692g ( a ) : No debt validation provided XXXX XXXX XXXX Account XXXX XXXX Collection Reporting This account is the result of identity theft and has no relation to me. No proof of debt ownership or contract has been produced. 

Violations : FCRA 1681s-2 : Reporting unverifiable debt FDCPA 1692g ( a ) : Failure to validate debt FDCPA 1692d : Abusive or deceptive collection practices Disputed Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry, nor did I apply for credit with XXXX XXXXXXXX. 

Violations : FCRA 1681b ( f ) : No access to a consumer report is permitted without a permissible purpose FCRA 1681b ( a ) ( 3 ) : No legitimate business need existed for this inquiry Supporting Documents Provided : FTC Identity Theft Report ( # XXXX ) Formal dispute letters Prior communications and CRA response records Legal Grounds for Relief : Under FCRA 1681i, credit bureaus must conduct a reasonable reinvestigation within 30 days and delete unverifiable information.

Under FCRA 1681c-2, CRAs must block all identity theft-related data within 4 business days after receiving proper documentation.

Failure to comply with these statutes subjects the agencies and furnishers to liability under FCRA 1681n and 1681o for actual, statutory, and punitive damages.

For charge-offs, IRS 6050P requires the issuance of Form 1099-C when {$600.00} or more is canceled. Failure to do so makes continued balance reporting unlawful.

Requested Resolution : I am formally disputing a total of 5 items : 4 Negative Accounts 1 Unauthorized Hard Inquiry I am requesting immediate deletion of these items from my credit file. Should this complaint go unresolved, I will escalate to federal enforcement bodies and consider legal action to protect my rights.

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