Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This is a formal dispute. I reviewed my credit reports and noticed several accounts that I did not open or authorize. I am a victim of identity theft, and these accounts are showing up fraudulently under my name. I have included my official FTC Identity Theft Report as proof and am demanding the immediate removal of these accounts. 

These accounts are not mine. They were either opened without my permission or are being reported inaccurately. These same student loan accounts have already been deleted from Equifax, which proves that they are invalid and being reported inconsistently. This is a violation of FCRA, XXXX XXXX, and e-OSCAR standards, and I am requesting their removal under FCRA XXXX XXXX, XXXX, and XXXX ( b ). 

Disputed Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charged Off {$2400.00} Past Due Balance : {$2400.00} Last Payment Date : XX/XX/XXXX Credit Limit : {$2000.00} Issue : Fraudulent / Inaccurate XXXX. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance : {$2500.00} Status : Paid / Closed Issue : Unknown account origin requesting wet signature XXXX. XXXX XXXX XXXX XXXX XXXX ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$2000.00} Past Due : $ 156 Monthly Payment : {$19.00} Status : Open Issue : Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$1000.00} Past Due : $ 86 Monthly Payment : {$10.00} Status : Open Issue : Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$1800.00} Past Due : $ 154 Monthly Payment : {$19.00} Status : Open Issue : Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$3600.00} Past Due : $ 270 Monthly Payment : {$33.00} Status : Open Issue : Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$1800.00} Past Due : $ 148 Monthly Payment : {$18.00} Status : Open Issue : Fraudulent XXXX. Dept of XXXX / Aidvantage ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$1800.00} Past Due : $ 142 Monthly Payment : {$17.00} Status : Open Issue : Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Student Loan # XXXX ) Opened : XX/XX/XXXX Balance : {$130.00} Past Due : $ 10 Monthly Payment : {$1.00} Status : Open Issue : Fraudulent These accounts are showing inconsistent information across bureaus and are causing real harm. As already mentioned, Equifax has removed these, confirming that they are inaccurate. I am requesting full deletion of these accounts, and also demand original signed ( wet signature ) documentation for every XXXX of them. If you can not provide that, under FCRA XXXX, XXXX, and other applicable sections, you are legally required to delete them. 

This needs to be completed within XXXX calendar days from receipt of this letter. I will escalate to additional legal channels if this matter is not resolved immediately. 

Attached : FTC Identity Theft Report Copy of my ID Proof of address Credit report highlighting all disputed accounts Thank you for your prompt attention to this matter. I expect confirmation once these accounts are removed

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