Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute Fraudulent Reporting & FCRA Violations Demand for Permanent Deletion of Accounts To Whom It May Concern, This letter serves as formal notification that I have filed multiple reports with the Federal Trade Commission XXXX FTC ) regarding severe violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically pertaining to fraudulent reporting practices, inaccurate information, and unauthorized inquiries by the following entities. Copies of the FTC reports are attached as supporting documentation. 

I demand a thorough reinvestigation of each of these accounts as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Furthermore, I demand the immediate and permanent deletion of these accounts from my credit report, as their continued presence constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, the furnishers of this information are in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ) for failing to report accurate information and for failing in their duties upon notice of dispute. 

The disputed accounts and corresponding FTC Report Numbers are as follows : XXXX XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX XXXX 

FTC Report XXXX : XXXX Details : This debt does not belong to me. The collection agency failed to provide proof of a contract and my handwritten agreement, and they have failed to provide validation that this account belongs to me. This constitutes fraudulent reporting. 

XXXX XXXX XXXX XXXX FTC Report Number : XXXX Details : XXXX XXXX has been sued for reaging charge-off accounts and refusing to delete accounts after 7 years. The first delinquent date was XX/XX/XXXX, and the charge-off is still reporting a balance when it should report a XXXX balance. This account does not belong to me and is past the age-out period. This is deceptive and fraudulent reporting. 

AFFIRM XXXX, XXXX FTC Report Number : XXXX Details : This account was sold to another collection agency without my written consent, which is a privacy violation. They no longer own the debt, and the balance is supposed to report a XXXX balance. This constitutes fraudulent reporting and privacy violations. 

XXXX XXXXXXXX, XXXX FTC Report Number : XXXX Details : This account was sold to another company, so they no longer own the account. It is reporting a charge-off, which is inaccurate ; it's supposed to report a XXXX balance. Trying to collect a debt that doesn't belong to me is fraud. 

XXXX XXXX XXXX FTC Report Number : XXXX Details : This account was sold and is no longer owned by ALLY CREDIT CARD, yet it is still reporting a balance on a charge-off account, which should show a XXXX balance. The account was sold to a collection agency, but they are still trying to collect money from me, which is fraud. 

XXXX XXXX XXXX FTC Report Number : XXXX Details : Capital XXXX sold the debt to XXXX XXXX XXXX XXXX. They are committing fraud by falsely claiming to be a law firm hired on behalf of XXXX XXXX, when they are not. I am being sued by this collection agency falsely claiming to be an attorney for XXXX XXXX. This constitutes deceptive and fraudulent practices. 

XXXX FTC Report Number : XXXX Details : XXXX pulled my credit without my consent as a hard pull inquiry. This account is not associated with any of my active or closed accounts. This constitutes an unauthorized inquiry and inaccurate reporting. 

XXXX XXXX XXXX FTC Report XXXX : XXXX Details : This company is showing up on my credit report with a hard inquiry that was pulled without my consent. I have no accounts with this company, and this inquiry was unauthorized. This constitutes an unauthorized inquiry and inaccurate reporting. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), if, after any reinvestigation, information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information. Given the fraudulent nature and lack of validation/consent, these accounts are demonstrably inaccurate and unverifiable. 

I expect these accounts to be permanently deleted from my credit report, and that no furnishers or subsequent collection agencies be allowed to report them again. Failure to comply with these provisions will result in further legal action, including but not limited to claims for damages under XXXX XXXX. XXXX ( civil liability for willful noncompliance ) and XXXX XXXX. XXXX ( civil liability for negligent noncompliance ). 

Please provide written confirmation of the deletion of each of these accounts within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute Fraudulent Reporting & FCRA Violations Demand for Permanent Deletion of Accounts To Whom It May Concern, This letter serves as formal notification that I have filed multiple reports with the Federal Trade Commission ( FTC ) regarding severe violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically pertaining to fraudulent reporting practices, inaccurate information, and unauthorized inquiries by the following entities. Copies of the FTC reports are attached as supporting documentation. 

I demand a thorough reinvestigation of each of these accounts as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Furthermore, I demand the immediate and permanent deletion of these accounts from my credit report, as their continued presence constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, the furnishers of this information are in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ) for failing to report accurate information and for failing in their duties upon notice of dispute. 

The disputed accounts and corresponding FTC Report Numbers are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

FTC Report XXXX : XXXX Details : This debt does not belong to me. The collection agency failed to provide proof of a contract and my handwritten agreement, and they have failed to provide validation that this account belongs to me. This constitutes fraudulent reporting. 

XXXX XXXX XXXX XXXX FTC Report Number : XXXX Details : XXXX XXXX has been sued for reaging charge-off accounts and refusing to delete accounts after 7 years. The first delinquent date was XX/XX/XXXX, and the charge-off is still reporting a balance when it should report a XXXX balance. This account does not belong to me and is past the age-out period. This is deceptive and fraudulent reporting. 

XXXX XXXX XXXX FTC Report Number : XXXX Details : This account was sold to another collection agency without my written consent, which is a privacy violation. They no longer own the debt, and the balance is supposed to report a XXXX balance. This constitutes fraudulent reporting and privacy violations. 

AFFIRM XXXX, XXXX FTC Report Number : XXXX Details : This account was sold to another company, so they no longer own the account. It is reporting a charge-off, which is inaccurate ; it's supposed to report a XXXX balance. Trying to collect a debt that doesn't belong to me is fraud. 

ALLY CREDIT CARD FTC Report Number : XXXX Details : This account was sold and is no longer owned by ALLY CREDIT CARD, yet it is still reporting a balance on a charge-off account, which should show a XXXX balance. The account was sold to a collection agency, but they are still trying to collect money from me, which is fraud. 

XXXX XXXX XXXX FTC Report Number : XXXX Details : XXXX XXXXXXXX sold the debt to XXXX XXXX XXXX XXXX. They are committing fraud by stating that they're a law firm hired on behalf of XXXX XXXX, when they're not. I am being sued by this collection agency falsely claiming to be an attorney for XXXX XXXX. This constitutes deceptive and fraudulent practices. 

XXXX FTC Report Number : XXXX Details : XXXX pulled my credit without my consent as a hard pull inquiry. This account is not associated with any of my active or closed accounts. This constitutes an unauthorized inquiry and inaccurate reporting. 

XXXX XXXX  GROUP FTC Report XXXX : XXXX Details : This company is showing up on my credit report with a hard inquiry that was pulled without my consent. I have no accounts with this company, and this inquiry was unauthorized. This constitutes an unauthorized inquiry and inaccurate reporting. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if, after any reinvestigation, information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information. Given the fraudulent nature and lack of validation/consent, these accounts are demonstrably inaccurate and unverifiable. 

I expect these accounts to be permanently deleted from my credit report, and that no furnishers or subsequent collection agencies be allowed to report them again. Failure to comply with these provisions will result in further legal action, including but not limited to claims for damages under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

Please provide written confirmation of the deletion of each of these accounts within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX Relations P.O. XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute Fraudulent Reporting & FCRA Violations Demand for Permanent Deletion of Accounts To Whom It May Concern, This letter serves as formal notification that I have filed multiple reports with the Federal Trade Commission ( FTC ) regarding severe violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically pertaining to fraudulent reporting practices, inaccurate information, and unauthorized inquiries by the following entities. Copies of the FTC reports are attached as supporting documentation. 

I demand a thorough reinvestigation of each of these accounts as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Furthermore, I demand the immediate and permanent deletion of these accounts from my credit report, as their continued presence constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. Additionally, the furnishers of this information are in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ) for failing to report accurate information and for failing in their duties upon notice of dispute. 

The disputed accounts and corresponding FTC Report Numbers are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

FTC Report XXXX : XXXX Details : This debt does not belong to me. The collection agency failed to provide proof of a contract and my handwritten agreement, and they have failed to provide validation that this account belongs to me. This constitutes fraudulent reporting. 

XXXX XXXX XXXX XXXX FTC Report Number : XXXX Details : XXXX XXXX has been sued for reaging charge-off accounts and refusing to delete accounts after 7 years. The first delinquent date was XX/XX/XXXX, and the charge-off is still reporting a balance when it should report a XXXX balance. This account does not belong to me and is past the age-out period. This is deceptive and fraudulent reporting. 

XXXX XXXX, XXXX FTC Report Number : XXXX Details : This account was sold to another collection agency without my written consent, which is a privacy violation. They no longer own the debt, and the balance is supposed to report a XXXX balance. This constitutes fraudulent reporting and privacy violations. 

XXXX XXXX XXXXXXXX FTC Report Number : XXXX Details : This account was sold to another company, so they no longer own the account. It is reporting a charge-off, which is inaccurate ; it's supposed to report a XXXX balance. Trying to collect a debt that doesn't belong to me is fraud. 

ALLY CREDIT CARD FTC Report Number : XXXX Details : This account was sold and is no longer owned by ALLY CREDIT CARD, yet it is still reporting a balance on a charge-off account, which should show a XXXX balance. The account was sold to a collection agency, but they are still trying to collect money from me, which is fraud. 

XXXX XXXX XXXX FTC Report Number : XXXX Details : XXXX XXXXXXXX sold the debt to XXXX XXXX XXXX XXXX. They are committing fraud by stating that they're a law firm hired on behalf of XXXX XXXX, when they're not. I am being sued by this collection agency falsely claiming to be an attorney for XXXX XXXX. This constitutes deceptive and fraudulent practices. 

XXXX FTC Report Number : XXXX Details : XXXX pulled my credit without my consent as a hard pull inquiry. This account is not associated with any of my active or closed accounts. This constitutes an unauthorized inquiry and inaccurate reporting. 

XXXX XXXX XXXX FTC Report XXXX : XXXX Details : This company is showing up on my credit report with a hard inquiry that was pulled without my consent. I have no accounts with this company, and this inquiry was unauthorized. This constitutes an unauthorized inquiry and inaccurate reporting.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if, after any reinvestigation, information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information. Given the fraudulent nature and lack of validation/consent, these accounts are demonstrably inaccurate and unverifiable.

I expect these accounts to be permanently deleted from my credit report, and that no furnishers or subsequent collection agencies be allowed to report them again. Failure to comply with these provisions will result in further legal action, including but not limited to claims for damages under 15 U.S.C. 1681n ( civi
l liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). 

Please provide written confirmation of the deletion of each of these accounts within 30 days of your receipt of this letter. 

Sincerely, 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