Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint against Experian Information Solutions , Inc. and multiple data furnishers for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These violations have caused substantial harm to my credit file and financial stability. 

Upon reviewing my Experian credit report dated XX/XX/year>, I discovered numerous inaccuracies, duplications, and fraudulent entries. I am demanding the immediate correction or removal of the following items. 

XXXX. Discrepancies in Reported Addresses There are over a dozen conflicting addresses on my file, including variations of the same property with spelling errors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Many of these addresses do not belong to me. 

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. 

FCRA 1681c-1 : Failure to block fraudulent or mixed identity data. 

Resolution Requested : Immediately remove or correct any address not verified with supporting documentation from a legitimate creditor with whom I have an active account. 

XXXX. Identity Theft : Stolen Personally Identifiable Information ( PII ) I have filed a police report confirming that my drivers license, Social Security number, and birth certificate were stolen. This breach has resulted in fraudulent activity and misreporting on my credit report, including false addresses and unauthorized hard inquiries. 

Violations : FCRA 605B ( a ) : Duty to block fraudulent information upon proper documentation. 

FCRA 1681c-1 ( b ) : Failure to flag and protect my file after identity theft. 

FCRA 1681e ( a ) : Duty to prevent identity fraud. 

Resolution Requested : Block or remove all data entriesincluding accounts and inquirieslinked to identity theft. 

Apply fraud alert or extended fraud protections to my file under FCRA 605B. 

XXXX. Duplicate & Inaccurate Student Loan Accounts ( XXXX ) There are XXXX XXXX student loan entries reporting nearly identical balances, dates, and payment datarepresenting duplicate reporting that distorts my credit profile. 

Violations : FCRA 605 ( b ) : Duplicate data inflating liabilities.

FCRA 1681e ( b ) : Inaccurate reporting.

FCRA 1681i ( a ) : Failure to correct errors during disputes.

Resolution Requested : Remove all duplicate XXXX accounts except for the original valid one. 

Ensure only accurate deferment and payment history is reported. 

XXXX. Incorrect Delinquency Reporting on Deferred Student Loans My XXXX accounts, which are explicitly marked as deferred until XX/XX/year>, are being reported as XXXX past XXXX is both inaccurate and harmful. 

Violations : FCRA 1681s-2 ( a ) ( XXXX ) ( B ) : Furnishing knowingly inaccurate information. 

FDCPA XXXX ( XXXX ) ( A ) : Misrepresenting the legal status of a debt. 

Resolution Requested : Remove all derogatory marks during deferment periods. 

XXXX. XXXX XXXX XXXX XXXX Account This collection entry is based on an alleged debt from XXXX and remains on my report without validation. Despite prior disputes, no original signed agreement or proof of liability has been provided. 

Violations : FDCPA 809 ( b ) : Failure to validate debt.

FCRA 1681i : Failure to reinvestigate disputed data.

Resolution Requested : Delete this collection entry. 

Provide full documentation and chain of assignment from XXXX to XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX Re-aged & Duplicated Accounts I see XXXX entries from this agency, for {$430.00} and {$230.00}, with identical history and no validation. These appear re-aged, duplicated, or fabricated. 

Violations : FCRA 605 ( c ) : Prohibiting re-aging. 

FDCPA 807 ( 8 ) : False implications of legal status.

Resolution Requested : Remove both entries unless proper chain of assignment and legal debt ownership are documented. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Charge-Off This entry reports a charge-off balance of {$1100.00} despite a credit limit of {$1000.00}. Over-limit fees appear to have been added outside the bounds of the original agreement. 

Violations : FCRA 1681e ( b ) : Inaccuracy in reported balance.

FDCPA 808 ( 1 ) : Collection of unauthorized charges.

Resolution Requested : Provide signed contract authorizing these fees or delete the entry. 

XXXX. XXXX XXXX XXXX Incomplete Repossession Records This account reflects a repossession and charge-off, but no sale notice, deficiency documentation, or legal compliance was provided. 

Violations : FCRA 1681i : Failure to verify or correct.

UCC 9-611, 9-614 : Failure to provide post-repossession notifications.

Resolution Requested : Remove all derogatory history unless full repossession documentation is provided. 

XXXX. XXXX XXXX XXXX Misleading Reporting The account is listed as paid and closed, but still resides in the Potentially Negative section of my credit report, which is misleading. 

Violations : FCRA 1681e ( b ) : Misclassification and mischaracterization of paid debt.

Resolution Requested : Reclassify as positive or delete the listing. 

XXXX. Excessive and Unauthorized Hard Inquiries Multiple hard inquiries appear on my file from entities such as XXXX XXXX, XXXX XXXX, XXXX XXXX and others. I never applied for credit with many of these institutions. 

Violations : FCRA 604 ( a ) ( XXXX ) : No permissible purpose for access. 

FCRA 607 ( a ) : Failure to prevent unauthorized access.

Resolution Requested : Remove all hard inquiries not supported by a credit application or consumer consent. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX for All Debt Buyers No debt buyer or collector has provided a legally valid chain of assignment showing transfer from original creditor to themselves. Without this, these debts are not valid or enforceable. 

Violations : FDCPA 809 ( b ) : Verification and legal ownership not provided.

FCRA 1681i ( a ) : Failure to reasonably investigate.

Resolution Requested : Delete all debt collection accounts unless a full, dated chain of title with signed agreements is provided. 

DEMAND FOR ACTION Under the FCRA, you have XXXX  days to complete a reasonable investigation. If no resolution is reached, I will escalate this matter to the FTC, my State Attorney General, and seek legal counsel to pursue damages under FCRA 616 and 617. 

Supporting Documents Available Upon Request : Police report confirming PII theft Identity documents Proof of deferment Prior dispute records Consumer Information : Name : XXXX XXXX XXXX XXXX of Birth : [ Redacted for privacy ] Experian Report Date : XX/XX/year> Experian Report XXXX XXXX XXXXXXXX Please confirm receipt of this dispute via the CFPB portal and notify me in writing when updates are made. 

Sincerely, XXXX XXXX XXXX Would you like a summarized version of this letter to copy directly into the online CFPB form, or should I notify you when Im able to generate a downloadable Word and PDF version? 







You said :

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