Consumer complaint received 2025-02-01 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:
Request for Immediate Deletion of Debt and Investigation Identity Theft Dear CFPB Representative, I am writing to formally dispute a debt reported under my name and to request your assistance in resolving this matter. Despite my efforts to address this directly with the debt collection agency and related parties, the issue remains unresolved, causing ongoing harm to my credit and financial standing. Previously, I contacted the debt collection agency to request the following information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation and documentation of the debt. Name and address of the original creditor. Details about the debt, including the amount owed, the date of the last payment, and whether the debt is beyond the statute of limitations. Verification of the debt via original contracts or supporting documentation. Confirmation that the agency is licensed to collect debts in my state. To date, I have not received any of the requested documentation, which constitutes a violation of 15 U.S.C. 1692g ( Verification of Debts ). This failure to provide the required information demonstrates a disregard for federal compliance and raises serious concerns about the validity of the debt. The debt in question involves XXXX XXXX XXXX attempting to collect on a cable account associated with XXXX XXXX XXXX XXXX XXXX XXXX ' collection agency ). This debt is directly tied to a fraudulent residence at XXXXXXXX XXXX XXXX, which was obtained through identity theft. I have already informed XXXX XXXX XXXX that this debt is the result of identity theft. While they acknowledged this and subsequently charged off the debt, they have reportedly recovered funds for the loss. Despite this, the debt has been repeatedly sold to other collection agencies, perpetuating a cycle of harassment. Important Legal Consideration : Under federal law, once a creditor charges off a debt and recoups funds ( through insurance claims, tax write-offs, or other financial recovery methods ), the creditor forfeits the right to collect on the debt. Any subsequent attempt to collect would violate the Federal Trade Commission ( FTC ) guidelines regarding " double recovery, '' which prohibit creditors from collecting on a debt they have already been compensated for. This practice could also violate state laws and the Fair Credit Reporting Act ( FCRA ). Additionally, as a victim of identity theft, I am entitled under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have fraudulent accounts removed from my credit report upon providing a statement of dispute and supporting documentation. I have provided all required evidence to both XXXX XXXX XXXX and the debt collector, yet they have failed to address this issue adequately.

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