Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain accounts currently being reported in my credit file. I am a victim of your data breach, specifically the XXXX data breach, where my personal data was compromised and subsequently mishandled. Many of the accounts below are fraudulent, duplicated, inaccurately reported, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am demanding that you provide complete validation of each disputed account ( including signed contracts and full payment histories ) or permanently delete them from my credit reports. 

Disputed AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * and XXXXXXXX XXXX XXXX XXXX XXXX  These accounts are reported twice on my credit file, which is a clear case of duplicate tradelines. 
Both are inaccurately reported with 90 days late statuses and even false future delinquency dates ( XX/XX/XXXX ), which is factually impossible. 
I was a victim of the XXXX data breach, during which my information was compromised and transferred to XXXX without my consent. 
As such, these accounts are unreliable, fraudulent in nature, and unverifiable. 

Legal Basis : FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation and deletion of unverifiable information.

FCRA 609 ( a ) ( 1 ) ( A ) : Grants the right to all documentation, including contracts.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting of information known to be inaccurate.

Demand : Provide validation ( signed contracts and complete records ) or delete both tradelines immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reported derogatory with a balance of {$200.00} and false future reporting dates. 
This account is fraudulent and unauthorized. 
Demand : Provide contract and verification, or delete under FCRA XXXX ( identity theft ). 

XXXX. XXXX XXXX XXXX XXXX XXXX This account is paid and closed. 
Despite its closure, it continues to be reported with false payment and closure dates that negatively impact my score. 
A closed, paid account should not remain listed in a derogatory manner. 
Demand : Complete removal of this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account was closed and paid in XXXX. 
Still reported with derogatory late payments. 
Demand : Provide validation or delete under FCRA XXXX & XXXX. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   Fraudulent account with impossible XXXX activity being reported now. 
No authorization, no contract, no payment history. 
Demand : Delete under FCRA XXXX ( a ) ( XXXX ) ( duty to report accurate dates ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance ( {$730.00} ) exceeds the credit limit ( {$400.00} ), which is factually impossible. 
Shows false future reporting dates ( XX/XX/XXXX ). 
Demand : Provide signed contract and itemized history, or delete under FCRA XXXX ( a ) ( XXXX ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX activity in XXXX, which is impossible. 
Inaccurate, unverifiable, and misleading. 
Demand : Delete under FCRA XXXX ( b ) ( requirement for maximum accuracy ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as derogatory with a {$0.00} balance and no payment history. 
Unverifiable/Validity account. 
Demand : Delete under FCRA 611 & 623.

Legal Authority FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation and deletion of disputed, unverifiable information.

FCRA 609 ( a ) ( 1 ) ( A ) : Gives me the right to all information in my file, including original signed contracts.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate or unverifiable data.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking of fraudulent information due to identity theft.

FCRA 616 & 617 : Establish civil liability for willful noncompliance, including actual, statutory, and punitive damages.

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