Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
* * I am submitting this dispute request for MY credit * * Dear Legal Departments of Credit Reporting bureaus This letter serves as a formal legal notice and demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate, incomplete, and/or unverifiable information currently reported on my credit file maintained by your agencies. The following Collection account ( s ) must be removed from my credit report immediately. These following collection account following are reporting illegally. XXXX XXXX # XXXX collection account, XXXX XXXX # XXXX collection account, XXXX XXXX XXXX # XXXX collection account, XXXX XXXX  # XXXX collection account, XXXX XXXX XXXX # XXXX collection account : I don't know what these companies are. It is against the fair credit reporting act LAW for a major company to sell your debt to a collection agency, That is personal information! When someone signs a contract with a MAJOR company, that person gave their PERSONAL INFORMATION to that ONE Major company. For that MAJOR COMPANY CREDITOR to sell an account to a collection agency to come after you is against the law!!! Once that original creditor company sold that debt owed to a collection agency, they FORFEIT any money that was owed for that debt. A contract was not signed with a collection agency there for you do not owe a collection agency any debt. By law, you must remove this collection immediately. Please move this collection for all my credit reports! Despite my prior disputes and requests for validation, the above-referenced item ( s ) remain on my credit report in violation of FCRA 611, which mandates that any information not verified within 30 days must be promptly deleted. Additionally, continued reporting of inaccurate data may also violate the Fair Debt Collection Practices Act ( FDCPA ) and other applicable state consumer protection laws. Please take notice that if this matter is not resolved within 15 days of receipt of this letter, I reserve the right to pursue all available legal remedies, including a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and a civil action in state or federal court seeking statutory, actual, and punitive damages, attorneys fees, and injunctive relief. Please provide me with written confirmation that the above-referenced item ( s ) have been permanently removed from all versions of my credit file. I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, Equifax Information Services , LLC, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, FAILED to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting al account listed above. This has cause me great anxiety, stress, and BAD financial hardship. Proof is NOT a payment history, Someone has done fraud to my credit profile and has been paying account on my credit profile. Please do not provide proof of a payment history I am preparing to initiate legal action against all credit reporting bureaus for continued failure to report these accounts that are not mine. It is in violation of fair reporting act ( FCRA ) 15 U.S.C 1681. Legals actions are about to occur and my representation " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX '' will go for everything I deserve! REMOVE ALL COLLECTIONS ACCOUNT IMMEDIATELY, XXXX XXXXXXXX XXXX  collection : It is against the fair credit reporting act LAW for a major company to sell your debt to a collection agency, That is personal information! When someone signs a contract with a MAJOR company, that person gave their PERSONAL INFORMATION to that ONE Major company. For that MAJOR COMPANY CREDITOR to sell an account to a collection agency to come after you is against the law!!! Once that original creditor company sold that debt owed to a collection agency, they FORFEIT any money that was owed for that debt. A contract was not signed with a collection agency there for you do not owe a collection agency any debt. By law, you must remove this collection immediately.

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