Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
XXXX To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX  XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute & Identity Theft Notification Fraudulent XXXX XXXX XXXX XXXX Accounts ( Collecting for XXXX XXXX  ) To Whom It May Concern, I am submitting this formal identity theft dispute regarding fraudulent collection accounts that have been placed on my Experian, Equifax, and TransUnion credit reports by XXXX XXXX XXXX XXXX, allegedly collecting on behalf of XXXX XXXX. I have never opened, authorized, or applied for any XXXX XXXX  account, nor have I ever conducted any form of business with XXXX XXXX XXXX XXXX. 
The fraudulent accounts appearing on my credit reports include : XXXX XXXX XXXX XXXX XXXX : {$1100.00} These accounts are not mine, and I am the victim of identity theft. 
LEGAL & COMPLIANCE ISSUES 1. XXXX XXXX XXXX XXXX Is Not Licensed to Collect in California According to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is not licensed to collect debts in the State of California, making any collection activity unlawful and void. 
Reporting unlicensed collections violates the FDCPA, FCRA, FACTA, and state law.

2. Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 602 ( A ) Accuracy & Fairness Mandate You must ensure maximum possible accuracy. Reporting fraudulent and unlicensed collection accounts violates this mandate.

FCRA 604 No Permissible Purpose No permissible purpose exists for any entity to furnish or report fraudulent accounts tied to identity theft.

FCRA 607 ( b ) Duty to Maintain Reasonable Procedures The CRAs have a statutory duty to prevent the inclusion of inaccurate and identity-theftrelated information.

FCRA 609 ( a ) Right to Full Source Disclosure I demand full disclosure of all documentation used to verify these accounts, including : Applications Signed contracts IP addresses Phone numbers Payment histories Any internal investigation notes If no such documentation exists, the accounts must be deleted.

FCRA 611 Duty to Reinvestigate You must conduct a reasonable reinvestigation.

If the furnisher can not provide documented proof of ownership, the accounts must be deleted.

FCRA 611 ( a ) ( 5 ) ( A ) Mandatory Deletion If information can not be verified, it must be deleted from all consumer reports.

FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Protections If the fraudulent accounts were previously removed and reinserted without proper notice, that is a violation.

FCRA 615 Adverse Action Disclosure Using fraudulent or unverified information in any adverse credit decision is illegal. 
FCRA 623 Furnisher Responsibilities XXXX XXXX XXXX XXXX is required to report accurate, verified information only. Reporting fraudulent, identity-theftrelated data violates this law.

3. Violations of FACTA ( Fair and Accurate Credit Transactions Act ) FACTA 112 / FCRA 605B Identity Theft Blocking Upon receiving proof of identity theft, CRAs must block and delete fraudulent information within 4 business days.

You are legally required to immediately block and permanently delete these fraudulent accounts.

4. Violations of the Fair Debt Collection Practices Act ( FDCPA ) Because XXXX XXXX XXXX XXXX is reporting and attempting to collect fraudulent and unlicensed debt, they are in clear violation of : FDCPA 806 Harassment Reporting fraudulent information to credit bureaus is a form of coercion.

FDCPA 807 False Representation They are representing a false debt that is not legally owed.

FDCPA 808 Unfair Practices Attempting to collect a debt without licensing is an unfair collection practice.

FDCPA 809 Validation Requirements I was never provided : A notice of debt Validation of the debt Proof of contractual obligation They can not legally verify this debt because I never opened the account. 
Data Breach Documentation I recently discovered that my personal information was compromised in several major data breaches : XXXX XXXX Data Breach Equifax Data Breach TransUnion Data Breach XXXX Data Breach XXXX Data Breach These breaches significantly increase the likelihood of credit fraud and identity theft, which aligns with the fraudulent accounts now reporting on my reports. 
DEMAND FOR IMMEDIATE ACTION I am demanding that all three credit reporting agencies : 1. Immediately DELETE AND PERMANENTLY BLOCK XXXX XXXX XXXX XXXX {$1100.00} 2. Provide Written Confirmation Confirm the deletion and permanent blockage of these accounts. 
3. Provide Full Documentation Provide all verification materials used to validate the accounts.

4. Prevent Reinsertion Under FCRA 611 ( a ) ( 5 ) ( B ), these accounts may not be reinserted without full certification of accuracy AND written notice to me within 5 business days.

Failure to Comply If these fraudulent accounts are not removed immediately, I will file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California Attorney General XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( if mail fraud occurred ) I reserve all rights under federal and state law to pursue civil remedies. 
Sincerely, XXXX XXXX XXXX

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