Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Formal METRO 2 Complaint Dispute to Delete accounts opened fraudulently Dispute of Fraudulent Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Breach FTC Identity Theft Report XXXX To Whom It May Concern : I am submitting this formal dispute under Metro2 compliance standards and under CDIA guidelines Failure to maintain compliance constitutes willful noncompliance under 15 U.S.C1681n and negligent compliance under 15 U.S.C1681o I am writing to formally dispute the account reported by XXXX XXXX XXXX under the account number XXXX with a debt amount of {$710.00} that appears on my credit report. This account is Fraudulent as the result of identity theft related to the XXXX and XXXX XXXX data breaches, and it is inaccurately and fraudulently listed in my credit file. 

As per the Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report Number : XXXX ), this dispute is based on the fraudulent use of my personal information, and I demand that this information be investigated and removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate, incomplete, and fraudulent information that is reported in my credit file. 
I. Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) - Section 609 ( 15 U.S.C. 1681g ) grants me the right to request verification of the alleged debt and to receive the following documentation : o The original signed contract or application with my wet signature.

o A copy of the original signed agreement.

o A detailed report from the investigator regarding their findings.

2. FCRA Section 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information and requires that Experian conduct a reasonable investigation into the dispute. I request the following actions : o Provide evidence that this debt is Not fraudulent o Provide verification that Experian conducted a reasonable investigation regarding the fraudulent nature of this account. 

XXXX. Discrepancies and Fraudulent Reporting : I formally request the following actions : Experian must provide the original signed contract or application for this debt. 
Experian must provide the signature associated with the credit application or account. 
Experian must provide all investigative reports regarding the legitimacy of the debt. 
Experian must delete this account from my credit report. 

XXXX. Failure to Provide Verification : I request that Experian immediately stop reporting this fraudulent debt on my credit report. Under FCRA Section 1681i, if this information can not be verified within 30 days, the account must be removed from my report. Further, Experian has failed to provide the necessary documentation in previous disputes regarding this account. 

IV. Request for Investigation and Investigation Results : I ask that Experian fully investigate the disputed account and provide the results of the investigation, along with the following : XXXX. The documentation that this is a NOT fraudulent account XXXX. Copies of any supporting documentation used during the investigation By Experian To prove that this account is NOT fraudulent XXXX. An explanation of any actions taken by Experian To prove that this account is NOT fraudulent If Experian fails to conduct a proper investigation and remove the incorrect information, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 

XXXX Emotional and Financial Harm : The continued reporting of this inaccurate information has caused significant distress. I am also facing financial hardship and public embarrassment due to the damage to my credit report. Fraudulent reporting has also hindered my ability to secure employment. As a senior citizen and a victim of identity theft, I am requesting compensation for : XXXX. Emotional distress caused by Experians failure to correct these inaccuracies. 
XXXX. Financial hardship was caused by the refusal to remove fraudulent information. 
XXXX. Public embarrassment and damage to my reputation caused by false statements in my credit report. 
XXXX. The hindrance of obtaining employment as a result of the inaccurate credit report. 
XXXX. A formal investigation into Experians practices and its potential exploitation of vulnerable individuals, including senior citizens.

VI. Legal Violations and Remedy : Experian is in violation of FCRA Sections 609, 611, and 1681s-2 ( a ), and I demand that they correct this inaccurate information immediately. If the debt is found to be unverifiable or fraudulent, it must be deleted from my credit file, and any negative references should be updated to reflect that the debt is disputed. 

XXXX. Attachments to This Dispute : XXXX. FTC Identity Theft Report ( FTC Report XXXX : XXXX ) XXXX. FTC - Notice to Furnish Sincerely XXXX. Documentation of the XXXX XXXX XXXX XXXX. Documentation of the XXXX XXXX XXXX XXXX XXXX. VI. -- -At the conclusion of the investigation, I seek compensation for XXXX the emotional distress that Experian has caused and continues to cause me XXXX The financial hardship that Experian has caused and continues to cause me XXXX The public embarrassment that Experian has caused and continues to cause me XXXX The hindrance in obtaining employment that Experian has caused and continues to cause me. 
XXXX Experian to be fully investigated and held accountable for exploiting senior citizens like me, defrauding senior citizens like myself, with their false /inaccurate / improper / derogatory information XXXX Experian be held accountable for -Inaccurate, false statements made in my credit report and refusing to remove them upon dispute -Damaging my reputation with the derogatory statements and refusing to remove them upon dispute -Punitive damages I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate the issues raised herein. 
Inaccurate Information Experian Credit Report due to XXXX XXXX and XXXX data breach -Identity theft -See FTC Identity Theft Report XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Debt Amount {$710.00} Please SEE Federal trade commission Report on my Identity Theft -Data Breach FTC Report Number : XXXX -I. -- -As per my rights under the Fair Credit Reporting Act ( FCRA ), -- - As per FTC upon this report of Identity theft : Experian is required to XXXX Provide copies of : My original Credit applications for this account XXXX-Provide copies of : My Signatures on applications and account XXXX. Provide copies of : My Original Signed agreement for this account XXXX. Provide copies of the investigators report in detail XXXX. Stop reporting information about this debt XXXX. Request for Debt Verification under FCRA, Section 609 : As per Section 609 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ), I am requesting that you provide me with the following documentation regarding the alleged debt : XXXX. The original signed contract with my wet signature for this debt / fraudulent account XXXX. Copy of ALL documentation Experian used during this investigation to prove this is NOT fraudulent account XXXX. Upon investigation, XXXX must provide a notice which should detail the actions taken, to prove the accuracy of their investigation III. -- - Request for Investigation of the Dispute : As requested under the FCRA, I ask that you investigate the accuracy of this account and provide me with the results of your investigation. If the information can not be verified within the XXXX period, I request that the account be removed from my credit report in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). 4. Notice of Right to Dispute : Please be advised that under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to complete the investigation and notify me of the results within 30 days of receiving this dispute. If the information is found to be inaccurate, you must correct or delete it accordingly. If you are unable to verify the debt, please ensure that the following actions are taken : The debt is removed from my credit report. Any reference to the debt is corrected and marked as disputed. No further collection activity takes place if the debt is not valid. XXXX. Failure to Comply : Please note that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the credit reporting agency fails to conduct a reasonable investigation or fails to correct inaccurate information, I may seek remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. Conclusion : I request that you respond to this dispute with the required documentation and investigation results within 30 days of receipt of this letter. Should you fail to respond or provide adequate proof, I expect that the disputed account be removed from my credit file. Key Legal References : XXXX. Fair Credit Reporting Act ( FCRA ) : o Section 609 ( 15 U.S.C. 1681g ) : Right to request proof and verification of the debt. o Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and request an investigation. Section 1681s-2 ( a ) : Prohibition on reporting inaccurate or unverified information. 
XXXX XXXX XXXX XXXX - Debt Amount {$710.00} Please DELETE XXXX XXXX XXXXXXXX XXXX Debt Amount {$710.00} this is fraudulent due to XXXX XXXX XXXX and XXXX XXXX DATA Breach XXXX XXXX XXXX XXXXXXXX - Debt Amount {$710.00} has failed to provide an original contract which proves this is a fraudulent account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount {$710.00} has failed to provide my signature on any contract which proves this is a fraudulent account XXXX XXXX XXXX XXXXXXXX XXXX Debt Amount {$710.00} has failed to provide a copy of credit application with my signature for this debt which proves this is fraudulent account Experian has failed to prove that I applied for this debt which proves this is fraudulent account Experian has failed to provide a copy of credit application with my signature for this debt which proves this is fraudulent account Experian has failed to provide a copy of the original contract agreement which proves this is a fraudulent account Experian has failed to provide any documentation with my signature related to this account which proves this is a fraudulent account IV. -- -XXXX XXXX YEARS Experian has refused to provide the documents below as required by Federal and Florida state laws : XXXX. My signature on the contract for this debt to prove that this is Not fraudulent account ( see my identity theft and data breach report with FTC ) XXXX. Originally signed contract to prove this is not fraudulent account ( see my identity theft and data breach report with FTC ) XXXX My credit application for this debt to prove that this is NOT fraudulent account ( see my identity theft and data breach report with FTC ) XXXX. Experian outragedly in the past refused to delete the FALSE data misrepresentation of a phone ( XXXX ) as mine, of addressee ( XXXX ) as mile, of incorrect social security presented as mine. 
XXXX Moreover, Experians continued hindrance of my ability to access my credit report and open a new dispute is deeply troubling. 

XXXX -- -Request for Investigation of Experian In light of these concerns, I am formally requesting an immediate and thorough investigation into all actions taken by Experian, along with a detailed examination of the evidence and methods employed to arrive at the conclusion that the disputed debt is valid and should remain on my account. Additionally, I urge an investigation into Experian 's potential exploitation of elderly citizens, XXXX senior citizens like me, particularly those lacking the financial and legal resources to challenge the company 's documented history of : Providing inaccurate information on credit reports Creating difficulties in resolving disputes Exhibiting customer service issues Failing to address data security and privacy concerns Non-compliance with regulatory requirements VI. -- -At the conclusion of the investigation, I seek compensation for : XXXX the emotional distress that Experian has caused and continues to cause me XXXX The financial hardship that Experian has caused and continues to cause me XXXX The public embarrassment that Experian has caused and continues to cause me XXXX The hindrance in obtaining employment that Experian has caused and continues to cause me. XXXX Experian to be fully investigated and held accountable for exploiting senior citizens like myself, defrauding senior citizens like myself, with their false /inaccurate / improper / derogatory information XXXX Experian be held accountable for -Inaccurate, false statements made in my credit report and refusing to remove them upon dispute -Damaging my reputation with the derogatory statements and refusing to remove them upon dispute -Punitive damages I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate the issues raised herein. 

Attached to this complaint : XXXX. Identity theft Report with Federal Trade Commission ( FTC Report Number : XXXX ) XXXX. FTC -Notice to Furnish XXXX XXXX XXXX XXXX XXXX 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