Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) after Experian was formally notified that I am a verified victim of identity theft. 

Despite receiving notice of identity theft and supporting documentation, Experian has continued to report fraudulent and inaccurate tradelines, failed to perform mandatory statutory blocking, and relied on unlawful reinvestigation or automated verification procedures that are expressly prohibited in identity-theft cases.

Experians conduct constitutes willful noncompliance and has caused ongoing financial, reputational, and credit harm. 



STATUTORY NOTICE OF IDENTITY THEFT Experian was notified that the accounts listed below resulted from identity theft, fraud, or unauthorized use, and were not incurred, authorized, ratified, or benefited from by me.

Under 15 U.S.C. 1681c-2 ( a ), Experian is required to block and delete information resulting from identity theft within four ( 4 ) business days of receipt of a valid Identity Theft Report. 
Reinvestigation, furnisher confirmation, or automated verification does not satisfy this statutory obligation. 



FRAUDULENT / INACCURATE ACCOUNTS REPORTED BY EXPERIAN Experian is reporting the following derogatory accounts that are the result of identity theft and/or inaccurate reporting : XXXX ( Charge-Off ) Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX  First Delinquency : XX/XX/XXXX Status : Charged Off Balance Reported : {$2300.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Delinquency Dates Reported : XX/XX/XXXX, XX/XX/XXXX Balance Reported : {$2200.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Delinquency Dates Reported : XX/XX/XXXX, XX/XX/XXXX Status Updated : XX/XX/XXXX These accounts are not mine and are the result of identity theft and/or materially inaccurate reporting. 



FCRA VIOLATIONS BY EXPERIAN Experians actions violate, including but not limited to : 15 U.S.C. 1681c-2 ( a ) Failure to block information resulting from identity theft 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable investigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance Experians continued reporting of these accounts after identity-theft notice demonstrates reckless disregard for federal law. 



HARM CAUSED As a direct result of Experians unlawful conduct : My credit profile has been materially damaged I have been denied fair access to credit and financial opportunities I have suffered financial stress and reputational harm I have been forced to expend time and resources correcting Experians failures REQUESTED RESOLUTION I am requesting that Experian : 1. Immediately block and permanently delete all identity-theft-related accounts listed above 2. Provide written confirmation of deletion 3. Cease unlawful reinvestigation practices in identity-theft cases 4. Ensure full future compliance with the Fair Credit Reporting Act If Experian fails to resolve this matter promptly, I am prepared to pursue additional regulatory and legal remedies.

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