Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
Details of the Issue I am a victim of identity theft, and XXXX XXXX XXXX, XXXX ( XXXX ) is reporting a fraudulent debt on my credit reports, causing severe financial and emotional harm. Despite providing documentationincluding a police report and an identity theft affidavitARI and the credit reporting agencies ( CRAs : XXXX, Experian, and XXXX ) continue to mishandle my disputes and violate federal laws. 

XXXX. Reporting Fraudulent Debt by XXXX XXXX is reporting a debt that I do not owe, resulting from identity theft. I have no relationship with XXXX or the original creditor ( XXXX ). XXXX has failed to : Provide validation of the debt despite my formal request under FDCPA 1692g ( b ).

Cease reporting the debt after failing to validate it.

Recognize my identity theft status and remove the fraudulent account as required under FCRA 605B. 

XXXX. Mishandling of Disputes by Credit Reporting Agencies XXXX : Reporting inconsistencies : The account is marked as Closed but shows a past-due balance of {$1100.00} and a pay status of Collection. 
Remarks state : Consumer Disputes After Resolution, but no meaningful investigation has been conducted.

Violations : FCRA 611 ( a ) : Failing to conduct a reasonable investigation into my dispute.

FCRA 605B : Failing to block fraudulent information.

FCRA 1681e ( b ) : Reporting inaccurate and misleading information.

Experian : Reporting inconsistencies : The account is listed as Placed for Collection, with no evidence of validation provided.

Dispute outcome : Completed investigation of FCRA disputeconsumer disagrees, without evidence to support the findings.

Violations : FCRA 611 ( a ) : Failing to properly investigate disputes.

FCRA 605B : Failing to block fraudulent information despite valid documentation.

FCRA 1681e ( b ) : Failing to ensure accurate reporting.

Equifax : Reporting inconsistencies : The account is listed as Closed, but still shows a balance of {$1100.00} and a collection status.

Dispute status : Reinvestigation in Progress, with no resolution or reconciliation of discrepancies.

Violations : FCRA 611 ( a ) : Failing to conduct a reasonable investigation.

FCRA 605B : Failing to block fraudulent information.

FCRA 1681e ( b ) : Reporting inaccurate information.

Harm Caused 1. Financial Harm : Denials of credit applications.

Higher interest rates on loans and credit cards.

Lost financial opportunities.

2. Emotional Distress : Persistent stress and anxiety caused by unresolved disputes and inaccurate reporting.

3. Reputational Damage : Tarnished creditworthiness and reputation as a reliable borrower.

Violations of Federal Laws Absolute Resolutions Investments ( ARI ) : FDCPA Violations : 1692g ( b ) : Failure to validate the debt upon request.

1692e : Reporting unverifiable information.

1692f : Using unfair means to collect a fraudulent debt.

FCRA Violations : 1681e ( b ) : Furnishing inaccurate information.

605B : Failing to block fraudulent information.

1681s-2 ( b ) : Failing to correct inaccuracies after dispute notification.

Credit Reporting Agencies ( CRAs : XXXX, Experian, and XXXX ) : FCRA Violations : 605B : Failing to block fraudulent information after receiving valid documentation.

611 ( a ) : Failing to conduct reasonable investigations.

1681e ( b ) : Reporting inaccurate and inconsistent information.

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