Consumer complaint received 2025-05-12 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:
To Whom It May Concern, This is a formal dispute and legal demand for immediate and permanent deletion of a fraudulent and unauthorized account from my credit file, reported under the name XXXX XXXX with an alleged balance of {$7900.00}. This account is false, unverifiable, and in violation of federal law. 

I have never signed a lease, contract, or agreement with XXXX XXXX or any related property. I have never resided at the address associated with this alleged debt. XXXX is not a party to any contract with me and has no legal right to report or collect on this matter. This account was created and reported without my consent, and I demand it be removed under the following protections : Legal Grounds for Immediate Deletion : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits the reporting of any information known to be false or that should be known to be false.

FCRA 611 ( a ) : Requires all inaccurate or unverifiable information to be deleted from the consumers file within 30 days of a dispute. XXXX has failed to verify this debt with any valid signed contract. 

FCRA 604 : Permits access to a credit report only with express written consent or in connection with a transaction initiated by the consumer. No such consent exists.

FDCPA 807 and 808 : Misrepresenting the legal status of a debt and attempting to collect debt not authorized by contract are clear violations.

GLBA ( Gramm-Leach-Bliley Act ) : My personal data is being used and reported without my permission. The reporting of this account, obtained through a third-party sale of my information, is an unlawful breach of federal privacy protections.

Texas Business & Commerce Code 20.06 : False or unverifiable credit reporting in Texas is a direct violation of state law.

Action Required by Law : I demand that you immediately : 1. Permanently delete the XXXX XXXX account from my credit file. 
2. Cease all reinsertion of this account now and in the future.

3. Provide me with written confirmation that the account has been removed and will never be reported again.

This account is causing material and financial harm to my housing and personal life. As a credit bureau, you are fully liable for damages under the FCRA if you continue to report inaccurate and unverified data after being notified in writing.

If this fraudulent account is not removed permanently, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General Pursue civil legal action for full damages under the FCRA, FDCPA, and GLBA This is my final legal demand for action. I have no contract with XXXX, and you are reporting unauthorized, unverifiable, and illegal information. Remove this account immediately or be held legally liable. 

Sincerely,

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