Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Formal METRO 2 Complaint Dispute to Delete accounts opened fraudulently Dispute of Fraudulent Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Due to Identity Theft -XXXX  data Breach and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report Number : XXXX To Whom It May Concern : I am submitting this formal dispute under Metro2 compliance standards and under CDIA guidelines Failure to maintain compliance constitutes willful noncompliance under 15 U.S.C1681n and negligent compliance under 15 U.S.C1681o I am writing to formally dispute the account reported by XXXX  XXXX XXXX XXXX account number XXXX with a debt amount of {$2400.00} that appears on my credit report. This account is Fraudulent as the result of identity theft related to the XXXX and XXXX XXXX data breaches, and it is inaccurately and fraudulently listed in my credit file. 

As per the Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report Number : XXXX ), this dispute is based on the fraudulent use of my personal information, and I demand that this information be investigated and removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate, incomplete, and fraudulent information that is reported in my credit file. 
I. Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) - Section 609 ( 15 U.S.C. 1681g ) grants me the right to request verification of the alleged debt and to receive the following documentation : o The original signed contract or application with my wet signature.

o A copy of the original signed agreement.

o A detailed report from the investigator regarding their findings.

2. FCRA Section 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information and requires that Experian conduct a reasonable investigation into the dispute. I request the following actions : o Provide evidence that this debt is Not fraudulent o Provide verification that Experian conducted a reasonable investigation regarding the fraudulent nature of this account. 

XXXX. Discrepancies and Fraudulent Reporting : I formally request the following actions : Experian must provide the original signed contract or application for this debt. 
Experian must provide the signature associated with the credit application or account. 
Experian must provide all investigative reports regarding the legitimacy of the debt. 
Experian must delete this account from my credit report.

III. Failure to Provide Verification : I request that Experian immediately stop reporting this fraudulent debt on my credit report. Under FCRA Section 1681i, if this information can not be verified within 30 days, the account must be removed from my report. Further, Experian has failed to provide the necessary documentation in previous disputes regarding this account.

IV. Request for Investigation and Investigation Results : I ask that Experian fully investigate the disputed account and provide the results of the investigation, along with the following : 1. The documentation that this is a NOT fraudulent account 2. Copies of any supporting documentation used during the investigation By Experian To prove that this account is NOT fraudulent 3. An explanation of any actions taken by Experian To prove that this account is NOT fraudulent If Experian fails to conduct a proper investigation and remove the incorrect information, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office.

V. Emotional and Financial Harm : The continued reporting of this inaccurate information has caused significant distress. I am also facing financial hardship and public embarrassment due to the damage to my credit report. Fraudulent reporting has also hindered my ability to secure employment. As a senior citizen and a victim of identity theft, I am requesting compensation for : 1. Emotional distress caused by Experians failure to correct these inaccuracies.

2. Financial hardship was caused by the refusal to remove fraudulent information.

3. Public embarrassment and damage to my reputation caused by false statements in my credit report.

4. The hindrance of obtaining employment as a result of the inaccurate credit report.

5. A formal investigation into Experians practices and its potential exploitation of vulnerable individuals, including senior citizens.

VI. Legal Violations and Remedy : Experian is in violation of FCRA Sections 609, 611, and 1681s-2 ( a ), and I demand that they correct this inaccurate information immediately. If the debt is found to be unverifiable or fraudulent, it must be deleted from my credit file, and any negative references should be updated to reflect that the debt is disputed. 

XXXX. Attachments to This Dispute : XXXX. FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. FTC - Notice to Furnish Sincerely XXXX. Documentation of the XXXX XXXX XXXX XXXX. Documentation of the XXXX XXXX XXXX XXXX XXXX. VI. -- -At the conclusion of the investigation, I seek compensation for : XXXX the emotional distress that Experian has caused and continues to cause me 2- The financial hardship that Experian has caused and continues to cause me 3- The public embarrassment that Experian has caused and continues to cause me 4- The hindrance in obtaining employment that Experian has caused and continues to cause me.

5- Experian to be fully investigated and held accountable for exploiting senior citizens like me, defrauding senior citizens like myself, with their false /inaccurate/improper / derogatory information XXXX Experian be held accountable for -Inaccurate, false statements made in my credit report and refusing to remove them upon dispute -Damaging my reputation with the derogatory statements and refusing to remove them upon dispute -Punitive damages I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate the XXXX XXXX XXXX XXXX 

Conclusion : I expect your prompt attention to this matter. If Experian fails to comply with the above requests or does not complete the investigation within the statutory 30-day period, I will take further legal action to enforce my rights. Please consider this a formal notice of dispute under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXXXX/XX/year>

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