Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this formal identity theft statement and dispute pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act. I recently reviewed my consumer reports and discovered that XXXX XXXX XXXX is reporting a fraudulent collection account on my consumer file with both Experian and XXXX in the amount of {$2600.00}, updated XX/XX/year>. I have no knowledge of this account, never authorized this account, never entered into any contractual relationship connected to this alleged debt, and I dispute this account in its entirety. This account is the direct result of identity theft and/or fraudulent activity. Under federal law, I am demanding the immediate deletion and permanent blocking of this account from all consumer reporting agencies. Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block fraudulent information resulting from identity theft within XXXX business days. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of information reported on consumer files. Reporting unverifiable or fraudulent information constitutes negligent and/or willful noncompliance under the FCRA. Furthermore, pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information. If the furnisher can not produce competent evidence bearing my signature or proof of authorization, the account must be deleted immediately. I also invoke my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), which prohibits the reporting of disputed debts without proper disclosure and prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Please provide the following documentation if you claim this account is valid : Original signed contract bearing my wet signature Complete payment history Proof of authorization Method of verification IP logs, application records, and supporting documents used to open the account Any documents showing I personally benefited from this alleged account Failure to provide competent documentation will confirm that this account is fraudulent and unverifiable under federal law. I demand the following actions immediately : Permanent deletion of this account from my Experian credit report Permanent deletion of this account from my XXXX credit report Immediate cease of all collection activity regarding this fraudulent account Written confirmation that the account has been blocked and removed Any continued reporting of fraudulent information after receipt of this notice may constitute willful noncompliance under the FCRA and FDCPA and may subject all parties involved to civil liability for damages. I certify under penalty of perjury that the information provided in this statement is true and correct and that I am a victim of identity theft.

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