Consumer complaint received 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter is being submitted strictly as documentation for litigation purposes. I am no longer requesting assistanceI am building a legal record of the willful violations committed by the parties listed below. I am a documented victim of identity theft, and despite providing full documentation to all involved, the matter remains unresolved and is now escalating toward civil court. 

In XXXX, my identity was stolen by XXXX XXXX XXXX while staying at my residence. He used my personal information to open a fraudulent {$200.00} XXXX loan tied to a XXXX transaction. That account is now circulating among third-party collectors and still showing up on my credit report. I have submitted the following : FTC Identity Theft Report XXXX XXXX XXXX XXXX Police Report XXXX XXXXXXXX XXXX XXXX XXXX Report XXXX XXXXXXXX ( XX/XX/XXXX ) Entities Involved and Violations XXXX Re-aged the fraudulent account post-charge-off Sold it to XXXX XXXX Refused to provide proper Proof of Validation ( XXXX XXXX or Method of Verification ( XXXX XXXX XXXX Originated the transaction but never responded or investigated Failed to provide acknowledgment of fraud XXXX Continued to pursue collection after being notified of identity theft Violated FDCPA by failing to cease collection activity XXXX XXXX Currently attempting to collect on the same account Not reporting to Experian at this time ( included here for accuracy ) Experian Still reporting this fraudulent account as open and current Falsely inflating my credit history with inaccurate data Enabling continued damage to my creditworthiness Purpose of This Letter This is not a negotiation or dispute. This is legal documentation for my case. I have : Multiple FTC identity theft reports XXXX police reports Prior complaints submitted to CFPB, XXXX XXXX XXXXXXXX, and XXXX XXXX Evidence of Experians willful failure to delete known fraudulent data No party has produced valid documentation to support the legitimacy of this account because it does not exist. XXXX, XXXX, and their third-party collectors are fully aware that the debt is fraudulent, yet continue to abuse the system. Experian has allowed this fraudulent account to remain on file, worsening the damage and prolonging the abuse. 

Legal Notice and Intent I am pursuing litigation and will be seeking : Deletion of the fraudulent XXXX account from my credit file Full cessation of all collection activity by XXXX and XXXX XXXX XXXX of all internal documents and account activity for legal discovery Maximum damages permitted under the FCRA, FDCPA, and all applicable federal and state laws I will see every party involved in court. 

Regards, XXXX XXXX XXXX

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