Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Metro 2 Compliance & FCRA/FCPDA Dispute Demand for Immediate Deletion of Inaccurate Accounts & Cease and Desist Statement of Facts I am disputing the following accounts appearing on my Experian credit report as of todays date. These accounts are reporting in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), applicable State Consumer Protection Laws, and Metro 2 Credit Reporting Guidelines. 
Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX {$440.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original {$1000.00} / Past Due {$290.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} / XXXX {$600.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX XXXX. XXXX XXXX {$700.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} Balance Metro 2 Compliance Violations Under Metro 2 reporting standards ( CDIA guidelines ), data furnishers must accurately report account status, date of first delinquency, and balance information. The above accounts contain material inaccuracies, including but not limited to : Incorrect Dates of First Delinquency ( DOFD ) Balance reporting inconsistencies ( charged-off yet active balance ) Improper reporting of collection and original account simultaneously ( Double Jeopardy ) Failure to mark disputed accounts as in dispute per FCRA 623 ( a ) ( 3 ) Legal Basis for Dispute 1. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRA must maintain maximum possible accuracy in consumer files.

2. FCRA 611 ( 15 U.S.C. 1681i ) CRA must conduct a reasonable reinvestigation within 30 days of a dispute.

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information known to be inaccurate.

4. FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) Debt collectors must communicate disputed debts as disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibits furnishing information known to be inaccurate. 
Case Law Supporting Consumer Wins XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reporting misleading credit info is actionable under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs must go beyond a superficial investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer need not prove actual damages to sue for FCRA violations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers can be held liable for inaccurate reporting. 
Cease and Desist Demand You are hereby instructed to CEASE AND DESIST from reporting, publishing, or otherwise disseminating any of the above-referenced inaccurate and unverifiable accounts. Failure to remove these accounts immediately will result in formal complaints to the CFPB, the XXXX Attorney General, and potential civil litigation in state or federal court.

Demand for Immediate Action I demand that Experian : 1. Delete all inaccurate and unverifiable accounts listed above.

2. Provide the method of verification for each disputed item, including the furnishers contact information and proof of investigation.

3. Confirm deletions in writing within 30 days as required by FCRA 611 ( a ) ( 5 ).

Failure to comply will result in legal action seeking statutory, actual, and punitive damages under 15 U.S.C.

1681n & 1681o. 
Sincerely, 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