Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this complaint because Experian and the listed collection agencies are reporting fraudulent collection accounts that are the direct result of identity theft, despite the existence of a formal FTC Identity Theft Report and my clear dispute of these debts. 

I am a confirmed victim of identity theft and filed an official Identity Theft Report with the Federal Trade Commission under FTC Report Number XXXX. That report identifies XXXX collection accounts that were opened without my knowledge, authorization, or consent and confirms that I did not incur these debts. Copies of the FTC report are attached to this complaint. 

The first fraudulent account is being reported by XXXX under account number XXXX, allegedly associated with XXXX XXXX XXXX, showing a balance of {$4200.00}. I never signed a lease, contract, or agreement with this creditor and never authorized any charges or collection activity. I did not receive services, housing, or any benefit related to this alleged obligation. 

The second fraudulent account is being reported by XXXX XXXX XXXX under account number XXXX, allegedly originating from The Guarantors, with a reported balance of {$7000.00}. I never entered into any agreement with this company, never authorized any financial obligation, and never benefited from this alleged account. 

These accounts are not the result of any legitimate consumer transaction initiated by me. I believe my personal identifying information was compromised due to multiple data breaches in recent years, and these collection accounts are the result of unauthorized use of my identity. 

Under the Fair Credit Reporting Act Section 605B, once an identity theft report is provided, consumer reporting agencies are required to immediately block the reporting of identity theft related information. Under Section 605C, any reinsertion of such information is prohibited unless the furnisher certifies accuracy and provides advance written notice to the consumer. Despite these clear legal requirements, Experian continues to report these fraudulent collection accounts, and the collection agencies continue furnishing unverifiable information. 

Additionally, these collection accounts have not been validated under FCRA Section 623 or the FDCPA. No signed contracts, itemized statements, proof of consumer authorization, or verified chain of assignment have been produced. The continued reporting of these accounts is inaccurate, misleading, and unlawful. 

This improper reporting has caused measurable harm, including credit score suppression, denial of credit opportunities, and financial stress. The continued failure to block and remove these accounts after submission of an FTC Identity Theft Report represents a serious breakdown in compliance with federal consumer protection laws.

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