Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, This correspondence constitutes formal notice of intent to initiate civil litigation against XXXX XXXX XXXX and its servicer, XXXX XXXX XXXX, XXXX., for willful, knowing, and continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Your response to CFPB XXXX XXXX. XXXX is legally insufficient, evasive, and confirms statutory non-compliance. 

-- - # # I. ILLEGAL REINSERTION STRICT LIABILITY # # # 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) You admit the account was previously deleted and later reinserted. You have failed to produce any evidence that : 1. The furnisher certified the accuracy and completeness of the information prior to reinsertion, and 2. Written notice of reinsertion was provided to me within XXXX ( XXXX ) business days, as required by statute. 

This is a strict-liability provision. 
Failure to document compliance establishes liability per se. 

Supporting Authority : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Reinsertion duties must be strictly followed - XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to comply with 1681i constitutes actionable FCRA violation -- - # # II. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION # # # 15 U.S.C. 1681i ( a ) Your response provides no description of any reasonable investigation, including : - Who conducted the investigation - What documents were reviewed - How accuracy was determined Courts have consistently held that automated or cursory verificationsuch as e-OSCARis legally insufficient. 

Supporting Authority : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX must do more than parrot information - XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Investigation must be reasonable in light of dispute - XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnisher must review underlying documentation -- - # # III. FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY # # # 15 U.S.C. 1681e ( b ) You continue reporting materially inaccurate information, including : - Reporting by a debt buyer without authenticated chain of title - No contract bearing my signature - Inconsistent balances and reporting dates- Reporting a collection without proof of a valid underlying obligation Conclusory statements of ownership do not satisfy FCRA accuracy requirements. 

Supporting Authority : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must ensure maximum possible accuracy - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Misleading but technically correct reporting violates 1681e ( b ) -- - # # IV. IDENTITY THEFT NON-COMPLIANCE # # # 15 U.S.C. 1681c-2 ( FCRA 605B ) I submitted a valid FTC Identity Theft Report and police report. Your statement that you can not accept this documentation has no statutory basis. 

Once XXXX documentation is submitted, the furnisher must block reporting unless it can demonstrate material misrepresentation by the consumerwhich you have neither alleged nor proven. 

Supporting Authority : - XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Failure to block fraudulent reporting violates XXXX - CFPB Official Interpretation, FCRA XXXX Mandatory blocking upon receipt of identity theft report -- - # # V. FDCPA VIOLATION FALSE CREDIT REPORTING # # # 15 U.S.C. 1692e ( 8 ) You acknowledge the account was disputed yet continued to report it without proper dispute notation, stating only it would be updated in a future reporting cycle. 

This constitutes a false and misleading representation. 

Supporting Authority : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to report dispute violates XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Duty to communicate dispute is immediate -- - # # VI. WILLFUL NON-COMPLIANCE & DAMAGES # # # XXXX XXXX. XXXX, XXXX, XXXX Your continued conduct demonstrates reckless disregard for federally protected rights, entitling me to : - Statutory damages - Actual damages - Punitive damages- Attorneys fees and costs Supporting Authority : - XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Reckless disregard satisfies willfulness - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Punitive damages appropriate for reckless FCRA violations -- - # # FINAL DEMAND To avoid immediate litigation, you are hereby required to : 1. Immediately and permanently delete this tradeline from all consumer reporting agencies 2. Cease all collection and reporting activity 3. Provide written confirmation of deletion Failure to comply will result in immediate filing of suit without further notice. 

This letter shall be preserved as evidence of willful non-compliance. 

Govern yourselves accordingly.

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