Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account XXXX XXXX : XXXX, XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$12000.00} Date Opened : XX/XX/XXXX Current Balance Date : XX/XX/XXXX My Legal Arguments and DEMAND FOR IMMEDIATE REMOVAL XXXX. Violation of My Right to Privacy ( FCRA 15 USC 1681 ) : You are reporting, storing, and sharing my information without my explicit, signed consent. Under FCRA, you have a grave responsibility to protect my privacy, and you have no legal right to report any account without my express authorization.

2. No Consent = Identity Theft : This account is the direct result of identity theft or unauthorized reporting. Under federal law, if you do not have my signed, original contract or explicit written permission, you are reporting this account fraudulently. No consent = identity theft.

3. FCRA 15 USC 1681c-2 and Immediate Removal Requirement : Federal law requires that any account resulting from identity theft or lack of consent be immediately and permanently removed from all consumer files. This is not a request for a temporary blockI demand full, permanent, and immediate deletion. 

XXXX. FCRA 15 USC 1681iNo Automated, E-Oscar Verification : You are required to conduct a manual, independent investigation and NOT rely solely on information provided by the data furnisher or use automated dispute systems. If you can not provide a copy of a contract with my signature, you must delete this account at once.

5. Ongoing Willful Noncompliance and Harm : Continuing to report or reinsert this account after being notified of its unauthorized and fraudulent nature exposes you to statutory damages of {$1000.00} per violation ( FCRA 15 USC 1681n ), plus actual damages, emotional distress, and attorney fees. 

XXXX. Failure to Respect Consumer Law : You are undermining the efficiency and public confidence in the banking system by reporting unverifiable, unauthorized, and fraudulent information, in violation of your duties under the FCRA and FDCPA. 

What I DEMAND IMMEDIATE and permanent removal of XXXX, XXXX, Account # XXXX from my credit report. 

Written confirmation of removal sent to me. 

Cessation of any and all reporting, reinsertion, or sharing of this account with any third party. 

Manual, human reviewI do NOT consent to automated E-Oscar dispute processing. 

Notice of Escalation If you do not immediately comply, I will : Escalate with formal complaints to the CFPB, FTC, and State Attorney General. 

Initiate legal action for statutory and actual damages for each violation. 

Attached/Included : Identity Theft Report ( [ XXXX ] or police report ) Government-issued ID Proof of Address I discovered a collection account from XXXX, XXXX on my credit report that I did not authorize and never consented to. I have never had any agreement or relationship with this company or the original creditor, XXXX XXXX XXXX. Reporting this account is a violation of my right to privacy under the Fair Credit Reporting Act ( FCRA ). I did not give permission for this information to be shared, stored, or reported. I am the victim of identity theft and request immediate removal of this account from my credit report.

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