Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am the victim of identity theft involving an alleged XXXX XXXX  credit card account. I timely submitted an FTC Identity Theft Report, police report, and government-issued identification beginning in XX/XX/year> and repeatedly thereafter. Despite this, XXXX XXXX  and Experian have continued to report, reinstate, and re-age a fraudulent tradeline. 

In XXXX XXXX  latest written correspondence, the bank makes multiple admissions that directly undermine Experians continued reporting and reinsertion of this account. XXXX XXXX  admits that the account was opened via an electronic application with no handwritten signature, relies solely on electronic data, and did not produce proof of consumer authorization. XXXX XXXX  further admits that identity theft claims were denied because account data matched personal identifiersan approach that is legally defective and inconsistent with identity-theft protections under the FCRA. 

XXXX XXXX  also admits in writing that no new investigation was conducted in response to escalation complaints, and that reporting was resumed after disputes, despite unresolved identity-theft claims and the submission of FTC and police reports. In additional correspondence, XXXX XXXX  falsely states that no reinsertion occurred, while simultaneously admitting to submitting an Automated XXXX XXXX Form ( XXXX XXXX XXXX ) to force consumer reporting agencies to align their reporting with XXXX XXXX recordsdirectly contradicting the claim that no reinsertion or re-furnishing occurred. 

Despite these admissions, Experian continues to report and has reinserted this tradeline at least 18 times, including the most recent XXXX XXXX XXXX, which I am attaching as an exhibit. Experian has reported account activity before the account allegedly existed, re-aged the charge-off, and continued reporting even while XXXX XXXX claims investigations were ongoing or unresolved. 

Experian has never explained how it can lawfully continue to report or reinsert this account in light of XXXX XXXX  own admissions showing : No proof of authorization or consent Reliance on electronic-only data Failure to reinvestigate upon escalation Resumption of furnishing during identity-theft disputes Contradictory statements regarding reinsertion and furnishing Instead, Experian has ignored my detailed dispute letters and evidence and has continued to side with XXXX XXXX  without conducting a reasonable reinvestigation, in violation of the Fair Credit Reporting Act. 

I am attaching exhibits to this complaint, including : XXXX XXXX  latest letters containing the above admissions Prior XXXX XXXX  correspondence My Experian Reinsertion # XXXX dispute letter FTC Identity Theft Report, police report, and identification These documents demonstrate a pattern of reckless and willful noncompliance that now requires regulatory intervention.

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 non-monetary relief