Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against Experian for Violations of Section 605B of the FCRA and Reporting Inaccuracies Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which mandates that credit reporting agencies ensure the accuracy and verifiability of information reported on consumer credit files. Experians recent actions, combined with the issues highlighted in the CFPBs recent lawsuit against them, demonstrate a clear pattern of disregard for consumer rights. 

My XX/XX/year>, Experian credit report contains several inaccurate and unverifiable entries that Experian has failed to properly address despite their obligations under the FCRA. Specifically : XXXX. XXXX. XXXX, XXXX ( Account # XXXX ) - Experian is reporting this account with a balance of {$130.00} attributed to " Champions. '' I have no record of any agreement or transaction with " Champions, '' and Experian has failed to validate this debt. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - This account, associated with " Regional Finance TX, '' reports an outstanding balance of {$2000.00}. This debt was resolved, but Experian continues to report it inaccurately without providing documentation to validate the claim. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Experian is reporting this debt, allegedly tied to " The Bank XXXX Missouri, '' with a balance of {$670.00}. I dispute this account entirely, and Experian has failed to substantiate its reporting. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Experian is reporting this account with a balance of {$720.00} from " XXXX. '' This debt is inaccurate, unverifiable, and has caused significant harm to my creditworthiness. 

Under Section 605B of the FCRA, Experian is required to : - Block the reporting of information that can not be verified.

- Conduct a thorough investigation of disputed items within 30 days.

- Ensure that all information reported is accurate and tied to the consumer through verifiable documentation.

Experians failure to meet these requirements violates my rights as a consumer. Furthermore, the CFPBs recent lawsuit against Experian underscores systemic issues within their organization, including their failure to ensure accurate reporting and proper dispute resolution. 



Experians negligence has caused significant financial and emotional distress, lowering my credit score and impacting my ability to access fair financial opportunities. I trust the CFPB will act to enforce consumer protections and hold Experian accountable for their repeated violations. 

Thank you for your attention to this matter. I am available to provide additional information or documentation as needed. I can be reached at ( XXXX ) XXXX or XXXX. 

Sincerely, 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