Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Re : Unverified and Fraudulent Debt Reporting by XXXX XXXX XXXX XXXX. 

Dear Rent Bureau, Transunion, Equifax I am formally requesting that you immediately and permanently remove the following fraudulent and unverified collection accounts that have been illegally reported by XXXX XXXX XXXX XXXX. These accounts do not belong to me and have already been disputed through verified mail with XXXX XXXX XXXX, yet they continue to be falsely reported, violating my rights under federal law. 

Fraudulent Accounts Reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$450.00} ( Date Placed : XX/XX/XXXX ) XXXX XXXX XXXX {$3600.00} ( Date Placed : XXXX XXXX, XXXX ) I have never applied for, contacted, or signed any contracts with these companies. These accounts are not mine, and I have previously disputed them through verified mailing methods, with proof of receipt and acknowledgment. Despite this, XXXX XXXX XXXX has ignored my disputes and continues to falsely report these accounts, causing serious harm to my financial well-being. 

Additionally, my personal information was compromised in a data breach, which may have led to these fraudulent accounts appearing on my credit and rental history. Your continued reporting of these accounts is aiding in the damage to my records and is a direct violation of federal consumer protection laws. 



CEASE & DESIST YOUR ACTIONS VIOLATE FEDERAL LAW 1. You Are Facilitating the Reporting of Fraudulent Debt in Violation of the Fair Credit Reporting Act ( FCRA ) FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertions Disputed accounts can not be reinserted without written notice and verifiable documentation. 
XXXX XXXX XXXX has failed to provide either, and you are continuing to report this unlawful information. 
FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information You are knowingly misreporting fraudulent and unverified debts, which is illegal.

Continuing to report these accounts without proof constitutes a serious violation of the FCRA.

2. You Are Violating the Fair Debt Collection Practices Act ( FDCPA ) FDCPA 809 ( b ) Failure to Validate Debt A debt collector must provide full legal validation proving ownership and the right to collect. 
XXXX XXXX XXXX has failed to provide this validation, yet you continue to report their claims. 

XXXX. You Are Responsible for Reporting Only Verified and Accurate Information As a reporting bureau, you are legally obligated to ensure the accuracy of the information you report. Continuing to allow XXXX XXXX XXXX to report unverifiable and fraudulent accounts on my rental and credit history makes you complicit in their violations of federal law. 



FINAL DEMAND YOU HAVE 48 HOURS TO COMPLY IMMEDIATELY REMOVE these accounts from my rental screening reports and any associated databases. 
Cease and desist from reporting or verifying these accounts unless full legal validation is provided. 
Provide written confirmation that these accounts have been permanently removed. 



FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If these fraudulent accounts are not removed within 48 hours, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office regarding your role in facilitating false reporting. 
Initiate legal action against your organization for willful noncompliance and damages under the FCRA and FDCPA. 
Request a full federal investigation into your reporting practices and your failure to remove fraudulent accounts despite clear and documented disputes. 

I expect your immediate cooperation in resolving this matter. 

CEASE AND DESIST IMMEDIATELY AND PERMANENTLY. STOP REPORTING THESE FRAUDULENT ACCOUNTS. 

This is not a requestit is a final warning. You have 48 hours to remove these accounts before I escalate this matter to regulators and legal authorities. 

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