Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint Against : Experian ( Credit Reporting Agency ) XXXX XXXX XXXX XXXX XXXX ( Debt Collector ) Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX What Happened? 
I am filing this complaint against Experian and XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate and fraudulent information on my credit report. 

Specifically, XXXX XXXX XXXX is reporting a XXXX XXXX collection account from XXXX to Experian, even though I have provided conclusive proof that I was XXXX from XXXX to XXXX and could not have incurred this debt. 

Despite multiple disputes and supporting evidence, Experian has failed to conduct a reasonable investigation and continues to allow XXXX XXXX XXXX to report this false account on my credit file. 

Violation of Federal Law Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), Experian must remove inaccurate, incomplete, or unverifiable information from a consumers credit report.

Experian failed to properly investigate my dispute and remove this fraudulent account.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report false or misleading information to credit bureaus. 

XXXX XXXX XXXX is knowingly reporting false information despite receiving proof that the account is not mine. 
Steps I Took to Resolve the Issue : I sent multiple dispute letters to Experian, explaining the account is fraudulent and that I was XXXX at the time. 
I provided official XXXX  records proving I was in custody from XXXX to XXXX and could not have opened or used a XXXX XXXX account in XXXX. 
I disputed the account with XXXX XXXX XXXX and requested validation, but they failed to provide any proof that I incurred this debt. 
Harm Caused by This False Reporting : Significant credit score damage due to this fraudulent collection account. 
Denial of credit, housing, and financial opportunities. 
Emotional distress from repeated disputes and Experians refusal to correct the false reporting. 
Financial harm due to the burden of disputing an account that is clearly not mine. 
XXXX Sought : I demand that : Experian immediately delete the XXXX XXXX collection account reported by XXXX XXXX XXXX XXXX XXXX from my credit file. 
XXXX XXXX XXXX XXXX XXXX cease all collection activity on this fraudulent account. 
Credence Resource Management provide proof of validation or immediately request deletion of the account from Experian. 
Experian and XXXX XXXX XXXX comply with FCRA and FDCPA laws to ensure proper investigations and removal of false data. 
Failure to Comply Will Result in Legal Action If this matter is not resolved within 15 days, I will : File a small claims lawsuit against Experian and XXXX XXXX XXXX under FCRA 15 U.S.C. 1681n and FDCPA 15 U.S.C. 1692k for damages. 
File formal complaints with the Federal Trade Commission ( FTC ) and my states Attorney General. 
This is Experian and XXXX XXXX XXXX final opportunity to correct this matter before I escalate legally. I expect immediate resolution.

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