Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
Account number : XXXX Date open : XX/XX/XXXX Account charged off. {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Illegal third party debt collector XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Your company Experian is furnishing inaccurate and incorrect information to the consumer report. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
The furnisher openly admitted to the sharing of my nonpublic personal information with a third party debt collector, which is a violation of my FDCPA and privacy. 
XX/XX/XXXX, the account was sold to XXXX XXXX, XXXX. 

That taken directly from the company responsible and on my account with your company it says sold. XXXX XXXX is aiding in aggravated identity theft. 
18 U.S. Code 1028A - Aggravated identity theft ( a ) OFFENSES.

( 1 ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( 2 ) TERRORISM OFFENSE. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. 
15 U.S. Code 6801 - Protection of nonpublic personal information. ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial instit
ution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
15 U.S. Code 6801 - Protection of nonpublic personal information. 
( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) FINANCIAL INSTITUTIONS SAFEGUARDS In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau ofConsumer Financial Protection, shall establish appropriate standards for the financial institutions 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
The above federal law states you can not tell me that this account has been turned over to innocent purchasers for value. XXXX XXXX is quoted many times stating they have given my account to a third party debt collector. 
15 U.S. Code 6809 - Definitions ( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
XXXX XXXX, XXXX and XXXX XXXX is not controlled by common ownership or affiliated by corporate control, so therefore should not have my nonpublic personal information. That violates my privacy rights. 
15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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