Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. This fraudulent account has devastated my life. Because of XXXX XXXX XXXX false reporting, my credit score has dropped significantly. I have been denied housing, forced to pay higher interest rates, and embarrassed when lenders and employers reviewed my credit report. The stress has been overwhelming, causing sleepless nights, XXXX, and XXXX XXXX This inaccurate debt has created unnecessary financial hardship, blocked me from advancing in my career and personal life, and left me feeling powerless despite having a court judgment that proves I do not owe this money. Their actions have destroyed my trust in the system and have placed a heavy burden on both my financial stability and XXXX XXXX.I am filing this urgent complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for willfully reporting and attempting to collect a fraudulent debt on my credit report, in direct violation of federal law. Proof I Do Not Owe This Debt On XX/XX/XXXX, in Small Claims Case No. XXXX, the XXXX XXXX XXXX XXXX XXXX entered judgment in my favor against XXXX XXXX XXXX XXXX XXXX. The court ordered XXXX to pay me {$5000.00}. This judgment proves that I do not owe XXXX instead, they legally owe me money. Yet on XX/XX/XXXX, XXXX XXXX XXXX reported a false collection account for {$5800.00}. This is fraudulent, misleading, and a blatant attempt to collect money I do not owe. Violations Committed Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information. 15 U.S.C. 1681e ( b ) : Failure to maintain maximum accuracy. 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after dispute. 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance ( statutory damages {$1000.00} per violation ). Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) : False representation of the character and legal status of debt. 15 U.S.C. 1692e ( 8 ) : Reporting false information to credit agencies. 15 U.S.C. 1692f : Unfair and unconscionable collection attempts. These constitute multiple violations of both statutes, each carrying liability for statutory damages, actual damages, and attorneys fees. Demand for Immediate Deletion I hereby demand : Immediate deletion of this fraudulent account from all credit bureaus ( Experian, Equifax, and TransUnion ). Immediate cessation of any collection activity by XXXX XXXX XXXX. CFPB XXXX action against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for willful violations of FCRA and FDCPA. Compensatory damages for the harm caused to my financial standing and credit reputation. Conclusion The attached judgment proves I do not owe this debt. XXXX XXXX XXXX is knowingly furnishing false information and attempting illegal collection. I am requesting the CFPB to order immediate deletion of this account, hold the parties accountable, and protect me from further harm. 
The attached judgment proves I do not owe this debt. XXXX XXXX XXXX is knowingly furnishing false information and attempting illegal collection. This has devastated my life causing denial of credit, loss of housing opportunities, higher interest rates, and severe emotional distress. I am requesting the CFPB to order immediate deletion of this account, hold the parties accountable, and protect me from further harm. 

I dispute the XXXX XXXX XXXX collection reporting on my file and demand immediate deletion. The tradeline is inaccurate and unverifiable in light of the attached court judgment. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX entered judgment in my favor against XXXX XXXX XXXX XXXX XXXX for {$5000.00}. A collection now reported by XXXX XXXX XXXX ( dated XX/XX/XXXX, {$5800.00} ) directly contradicts that judgment and is harming my credit standing.

Under the FCRA you must : Maintain maximum possible accuracy ( 1681e ( b ) ).

Perform a reasonable reinvestigation and delete any item that can not be verified as accurate ( 1681i ( a ) ; 1681i ( a ) ( 5 ) ( A ) ).

Provide a method of verification with details per 1681i ( a ) ( 6 ) ( B ) ( XXXX ). 
My demands ( within 30 days ) : XXXX. Delete immediately the XXXX XXXX XXXX tradeline from my TransUnion report. 
XXXX. Send me written confirmation and an updated report. 
XXXX. If you contend the item is valid, provide the complete method of verification, including copies of any documents you relied on that overcome the attached court judgment. 
Disputed Item ( as listed on TransUnion ) : Furnisher : XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$5800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosures : Judgment ; Screenshot/PDF of the tradeline ; Government ID ; Proof of Address. 
Failure to maintain accuracy or to delete unverifiable information after notice constitutes noncompliance under XXXX. Please delete this item immediately and confirm in writing.

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