Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
Complaint Description : I am filing a formal complaint against XXXX XXXX, Experian, TransUnion, and XXXX XXXX XXXX, XXXX for multiple violations of consumer protection laws. The account reported on my credit report was not mine, and I have evidence of both incorrect reporting and unlawful debt collection practices. Below is a summary of the violations : Violation by XXXX XXXX : False Reporting : XXXX XXXX reported an account that was not mine, and I disputed it with all relevant credit bureaus multiple times, only to have it verified and reposted without sufficient proof. 

Unlawful Disclosure of Personal Information : XXXX XXXX shared my personal information with a third-party debt collector in violation of the Fair Credit Reporting Act ( FCRA ) 1681b, which limits the sharing of credit information without proper consent. 

Debt Collection Violations : I was coerced into paying a debt that was not mine in the amount of {$560.00}, specifically to XXXX XXXX XXXX, a company not legally allowed to collect debts in Texas. According to the Texas Debt Collection Act and FDCPA ( Fair Debt Collection Practices Act ) 1692e, this was an unlawful and deceptive practice, causing me significant harm, including halting my ability to purchase a home. 

Request for Remediation : I demand that XXXX XXXX immediately delete the account from my credit report, as they have violated both FCRA and FDCPA protections. I request compensation for the financial harm and emotional distress caused by this unlawful activity. 

Violation by XXXX XXXX XXXX : Unlawful Debt Collection : XXXX XXXX XXXX is not licensed to collect debts in Texas, which violates the Texas Debt Collection Act. Their actions, including demanding payment for a debt that was not mine, constitute unlawful and fraudulent behavior. This violation has caused me undue stress, financial harm, and significant delay in purchasing my home. 

Request for Remediation : I demand that XXXX XXXX XXXX be held fully responsible for their actions and compensate me for the harm caused by their unlawful debt collection practices. This includes reimbursement for the amount I was forced to pay, as well as compensation for the emotional and financial distress caused by their violations. 

Violation by Experian and TransUnion : Despite multiple disputes, both Experian and TransUnion have verified and reposted this incorrect information on my credit report without a thorough investigation in violation of FCRA 1681i, which mandates that credit bureaus must investigate disputes thoroughly and make corrections when the information is inaccurate. 

Both Experian and TransUnion are responsible for failing to properly investigate and ensure the accuracy of the information on my report, causing me ongoing harm. 

The FCRA 1681e ( b ) requires credit reporting agencies to maintain accurate records, and they have failed to do so, allowing inaccurate information to be reported repeatedly. 

Relief Requested : Deletion of the inaccurate account from my credit report, as XXXX XXXX has violated my rights under the FCRA and FDCPA. 

Compensation for the damages caused by the unlawful collection attempt, including the financial harm of being forced to pay for a debt that was not mine, as well as the distress caused by being prevented from purchasing a home. 

I request that Experian and TransUnion be held accountable for their failure to correctly investigate the dispute and delete the account, in violation of their obligations under the FCRA. 

I demand that XXXX XXXX XXXX be held responsible for their unlawful debt collection practices, including payment of compensation for the amount I was forced to pay, as well as reimbursement for the emotional and financial harm caused by their violation of the Texas Debt Collection Act. 

Financial compensation for the emotional and financial distress caused by these violations, including the disruption to my ability to purchase a home, and compensation for time spent dealing with this issue. 

Please investigate this matter and ensure that the violations are corrected and that the responsible parties are held accountable for their actions.

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