Consumer complaint received 2025-06-13 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: IN

Complaint narrative:
This letter is being sent to formally dispute the validity of the alleged debt you have attempted to collect, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Let me be unequivocally clear : I do not owe this debt. I am demanding, in writing, that you immediately cease all collection efforts until you provide the legally required validation of the debt in accordance with 15 U.S.C. 1692g ( b ). You are further notified that any attempt to report or continue reporting this fraudulent account to any consumer reporting agency, without proper validation, constitutes a direct violation of the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Additionally, I am a confirmed victim of identity theft and multiple data breaches, which compromised my personal information. As a result of this criminal activity, fraudulent accounts were opened in my name without my authorization. You have already been provided with substantial documentation, including : A copy of the FTC Identity Theft Report Police report filed in accordance with FCRA 605B Supporting documentation proving the accounts are fraudulent Proof of my identity and current address Despite your receipt of this documentation, you have continued attempts to collect on a debt that was the direct result of identity theft. This is absolutely unacceptable and unlawful.

Let this letter serve as your final notice that : You must immediately cease all collection activity.

You must provide full validation of the alleged debt, including but not limited to : the original contract bearing my signature, full itemized account history, and the name and address of the original creditor.

You must cease and desist from all communication with third parties regarding this matter, as further collection activity without validation is a violation of 15 U.S.C. 1692c and 1692e ( false, deceptive, or misleading representations ).

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Furthermore, I will pursue legal action for any and all violations of the FDCPA and FCRA, including damages, attorneys fees, and court costs as allowed under 15 U.S.C. 1692k.

You are now on notice. Govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX The Fraudulent Accounts Are Listed Below XXXX XXXX XXXX ( Account Number : XXXX ) Balanced Owed : {$46000.00} XXXXXXXX XXXX ( Account Number : XXXX ) Balanced Owed : {$33000.00} XXXX XXXX XXXX ( Account Number : XXXX ) Balanced Owed {$20000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXXXXXX XXXX XXXX ( Account Number : 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