Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reporting an invalid and improper investigation on a fraud-related collection that XXXX XXXX XXXX XXXX is attempting to collect and is furnishing to the credit bureaus. 

This is not my account. I never applied for, signed, or authorized any XXXX XXXX lease, and I never received the goods tied to this alleged account. 

The account in question originates with XXXX XXXX, but it was later reported by XXXX. In XXXX, I responded to XXXX XXXX XXXX XXXX XXXX ( another debt collector ) stating clearly that they had the wrong person. Despite that, the account was later reassigned to XXXX, who is now reporting it on my credit file. 
On XX/XX/XXXX, I was also sent an email from XXXX titled Lease Adjustment for XXXX. That email included details about a supposed adjustment to a lease, with references to a new balance ( {$660.00} ), new payment schedule, and XXXX branding. I never authorized or entered into this lease, yet I was sent communications treating me as if I were a XXXX  customer. This demonstrates ongoing misattribution of someone elses account to me. 

XXXX CFPB reply included a validating document with an electronic signature. That signature is not mine and does not evidence my consent or identity. Under the E-Sign Act ( 15 U.S.C. 7001 et seq. ), an electronic signature is only valid if tied to verified identity and documented consent. XXXX has provided no such evidence ( IP address, device ID, timestamp logs, or two-factor authentication ) linking me to the account. 

In addition, the merchandise records are inconsistent and unreliable : XXXX file lists the items as XXXX headphones and a XXXX XXXX XXXX. 
XXXX XXXX own email shows the TV as a XXXX XXXX model, not XXXX. 
XXXX XXXX also issued a cancellation notice for the XXXX headphones. 
These inconsistencies prove that XXXX records are inaccurate. If the creditor and merchant can not agree on the merchandise or fulfillment status, the alleged debt can not be considered valid under the FDCPA or FCRA. 
Further, XXXX XXXX was the subject of CFPB Consent Order XXXX. XXXX ( XX/XX/XXXX ), which permanently banned it from consumer leasing and required it to release consumers from outstanding lease obligations. XXXX is attempting to collect and report a XXXX-related account that is either fraudulent ( identity theft or mistaken identity ) or legally void and unenforceable. 
Legal concerns : FDCPA 809 ( 15 U.S.C. 1692g ) : XXXX has not provided true validation. A generic lease with an e-signature that is not mine is not validation.

FDCPA 807 ( 15 U.S.C. 1692e ) : Misrepresenting a debt by continuing collection after prior notice from me in 2022 that I was the wrong person.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishing inaccurate information to the credit bureaus.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : I have an identity theft report from 2022, and I assert that this tradeline is the result of identity theft or mistaken identity.

FCRA 611 ( 15 U.S.C. 1681i ) : Credit bureaus are maintaining unverifiable, fraudulent data. 
What I have done so far : Disputed with Experian, which responded that XXXX certified the account but provided no actual validation. 
Responded to XXXX XXXX XXXX XXXX XXXX in XXXX, telling them they had the wrong person. 
Filed an identity theft/police report in XXXX ( attached ). 
Received a XX/XX/XXXX lease adjustment email from XXXX, showing continued misattribution of another persons account to me. 
Obtained XXXX XXXX documentation showing the headphones were canceled and the TV listed was a XXXX, not a 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