Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am filing this urgent complaint against XXXX XXXX for egregious, willful violations of federal and Texas laws in their handling of two fraudulent accounts fraudulently reported on my credit report. XXXX actions, including their recent response ( XXXX XXXX XXXX ), demonstrate a blatant disregard for my rights, causing severe damage to my credit, emotional distress, and housing denials. I demand immediate deletion of these accounts and warn XXXX that their continued misconduct will result in lawsuits seeking statutory, actual, and punitive damages. 



I have no knowledge of these debts, and assert they stem from identity theft, as documented in my FTC Identity Theft Report, I sent disputes to XXXX via certified mail ( # XXXX, # XXXX, delivered XX/XX/year> ), demanding validation under FDCPA XXXX. 

XXXX failed to validate within the mandatory 30-day period ( by XX/XX/year> ) and continued reporting to XXXX, Experian, and XXXX causing irreparable harm. 


XXXX silence persisted until their ~XXXX XXXX XXXX, response, which compounds their violations. Below, I cite their exact words and the laws they violate : 1. * * The consumer owes a balance of {$3300.00} to XXXXXXXX XXXX XXXX XXXX and {$6800.00} to XXXXXXXX XXXX XXXX XXXXXXXX XXXX * * : - * * FDCPA 1692e ( 2 ) ( A ) * * : False representation of the character, amount, or legal status of the debt. XXXX has no validated proof I owe these debts, and their assertion misleads bureaus and harms my credit. 

- * * TDCA 392.304 ( a ) ( 8 ) * * : Misrepresenting the status of a debt by claiming I owe without verification.

- * * DTPA 17.46 ( b ) ( 12 ) * * : Representing the debts as valid obligations, a deceptive practice causing economic harm. 



2. * * XXXX will mail proof of the debt to the consumer * * : - * * FDCPA 1692g ( b ) * * : Failure to provide validation within 30 days of my XX/XX/year>, disputes. This belated promise, over 30 days late, does not cure their violation, as they were required to cease reporting until verification was mailed. 

- * * TDCA 392.202 ( a ) * * : Failure to provide timely verification after a consumer dispute, rendering continued collection unconscionable.

3. * * The consumer may provide XXXX with any correspondence that proves these debts to be invalid * * : - * * FDCPA 1692g ( b ) * * : Improperly shifting the burden of proof to me, the consumer. FDCPA places the validation obligation on the collector, not me. I already provided an FTC Identity Theft Report, which XXXX ignores. 

- * * DTPA 17.46 ( b ) ( 23 ) * * : Failing to disclose that XXXX, not I, must validate the debt, a deceptive omission exploiting my lack of legal knowledge. 



4. * * The consumer may contact XXXXXXXX XXXX XXXXXXXX to pay the balances over the phone with a credit or debit card * * : - * * FDCPA 1692g ( b ) * * : Attempting to collect a debt during a dispute without validation. Soliciting payment via phone is a direct collection attempt, prohibited until verification is provided.

- * * TDCA 392.304 ( a ) ( 19 ) * * : Using deceptive means to collect by implying the debts are undisputed and payable.

- * * DTPA 17.46 ( b ) ( 5 ) * * : Representing the debts as having characteristics ( e.g., collectible ) they do not have, causing economic harm. 



5. * * Continued Reporting ( Implied by Accounts Presence ) * * : - * * FCRA 1681s-2 ( b ) * * : Failure to conduct a reasonable investigation after receiving bureau dispute notices and continuing to furnish inaccurate data. XXXX vague claim that accounts have been updated lacks evidence of compliance. 

- * * FDCPA 1692g ( b ) * * : Reporting unvalidated debts to bureaus after my disputes, despite the requirement to cease reporting.

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