Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is entirely fraudulent. The XXXX in the account number refers to XXXX XXXX XXXX, not XXXX XXXX XXXX, as falsely reported by XXXX XXXX XXXX XXXX to both me and the Consumer Financial Protection Bureau. XXXX XXXX XXXX has no association with this account, and this misinformation is unacceptable and unlawful. 

I previously disputed this account within the required 30-day period, but my communications were blocked, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) which I provided proof of this to both the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to address their errors and has engaged in unlawful practices, including submitting an estimate to the Consumer Financial Protection Bureau instead of an actual invoice dated 9 days after the fraudulent reporting on XX/XX/2019, in an attempt to justify the account. This demonstrates their deceptive practices and blatant disregard for consumer protection laws. ( Please see attachment ) Why would XXXX XXXX XXXX XXXX need to contact XXXX XXXX XXXX or XXXX XXXX XXXX XXXX for more information to establish the validity of this fictitious debt. Per XXXX XXXX XXXX they had already completed their due diligence in verifying the debt, which is required by law. The attached invoice/estimate was generated after XXXX XXXX XXXX XXXX furnished this fraudulent account through their XXXX  XXXX XXXX Reporting on XX/XX/2019. XXXX XXXX XXXX XXXX also provided this estimate/invoice to the Consumer Financial Protection Bureau which I found to be bold and alarming. Also, I signed a release agreement and was released from my lease agreement. This debt is fraudulent! 

As this account is time-barred, XXXX XXXX XXXX XXXX has XXXX legal authority or right to pursue collections on the referenced account. Their continued reporting has inflicted significant financial harm on me and my family, including increased housing deposits, higher interest rates, and missed job opportunities, totaling over {$8700.00}. I have detailed documentation of these damages. 

Please delete this time-barred and erroneous account information from my consumer credit report immediately. Failure to comply will force me to escalate this matter through legal channels to enforce my rights and seek compensation for the financial damages I have incurred. XXXX XXXX XXXX XXXX has been involved in multiple lawsuits including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to name a few. XXXX XXXX XXXX XXXX consistently denies consumer allegations and avoids directly addressing evident consumer violations. 

Additionally, I am requesting written documentation from XXXX XXXX XXXX XXXX detailing their contract agreement with XXXX XXXX XXXX concerning this fictitious debt, including the terms of their agreement. I also need an updated verification letter from XXXX XXXXXXXX XXXX confirming that they are a current client of XXXX XXXX XXXX XXXX, and that XXXX XXXX XXXX XXXX are collecting the referenced debt on their behalf which would be impossible as this account is time-barred, and collection efforts have ceased. 

I am in contact with XXXX XXXXXXXX XXXX and have requested the same information from them. Furthermore, please also provide a copy of XXXX XXXX XXXX XXXX cancellation policy for clients they collect for given that this fraudulent debt has been sitting in XXXX XXXX XXXX XXXX office for over 5 years and is now time-barred. Please refer to the attached documentation from XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, confirming that XXXX XXXX XXXX XXXX has ceased actively seeking collection, as this is a time-barred account. Exactly what services are being provided to XXXX XXXX XXXX at this point in regard to this account I am requesting to be deleted from my consumer credit report?

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