Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am reporting the fraudulent appearance of a third-party debt collection account on my consumer credit file, listed under the name XXXXXXXX XXXX XXXXXXXX with the account number : XXXX. 

I have no prior knowledge, consent, or contractual relationship with this entity. I have never agreed to or signed any contract with this company, and I am formally disputing this as an unauthorized and fraudulent entry. 

I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) in accordance with FCRA XXXX. Under the Fair Credit Reporting Act ( FCRA ) XXXX, once identity theft is reported, consumer reporting agencies are legally obligated to block and remove fraudulent accounts from credit files within XXXX business days of receiving appropriate documentation. I have submitted this documentation and expect full compliance. 

Additionally, under FCRA XXXX, any entity furnishing inaccurate or unverifiable information to consumer reporting agencies is in violation of federal law. Continuing to report this account, after being notified of its disputed and fraudulent nature, would be considered willful noncompliance, which is subject to damages under FCRA XXXX and XXXX. 

I demand the immediate and permanent removal of this fraudulent account from my credit file. The presence of this account is damaging and unjust. I am prepared to escalate this matter further if timely resolution is not achieved. 

I am filing this complaint regarding a fraudulent third-party debt collection account listed on my consumer credit file under the name XXXXXXXX XXXX XXXXXXXX, account number XXXX. 

I have no relationship, agreement, or contract with this company, nor have I ever authorized them to collect or report any debt on my behalf. This account is the result of identity theft, and I have already taken the appropriate legal steps to address it including filing an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to FCRA XXXX. 

Despite having previously disputed this account, submitted documentation, and requested removal, it continues to reappear on my credit file. This pattern of behavior is not only negligent but may constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Under : FCRA XXXX, any account confirmed to be fraudulent and accompanied by an identity theft report must be blocked within XXXX business days. 

FCRA XXXX, data furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate or disputed. 

FCRA XXXX and XXXX, continued reporting of false or unverifiable information after being informed of its inaccuracy subjects the furnisher and others involved to civil liability and damages. 

At this point, I believe my rights as a consumer are being blatantly disregarded. I am requesting the immediate and permanent removal of this account from all consumer reporting databases. I expect this matter to be treated with the urgency it demands to avoid further harm.

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