Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts are fraudulent an I have no knowledge of them. 

# IDENTITY THEFT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX Email : XXXX Date : XX/XX/XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT DISPUTE AND DEMAND FOR REMOVAL XXXX  * Account Numbers XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX  NOTICE OF IDENTITY THEFT AND DEMAND FOR IMMEDIATE REMOVAL Dear Collection Agencies, This letter serves as formal notice that I am disputing the above-referenced accounts as fraudulent entries resulting from identity theft. I am hereby demanding immediate removal of these accounts from my credit reports under federal law. 

# # LEGAL BASIS FOR DISPUTE * * 1. Fair Credit Reporting Act ( FCRA ) Violations : * * - 15 U.S.C. 1681e ( b ) - Duty to maintain reasonable procedures to assure maximum possible accuracy - 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( 30-day investigation requirement ) - 15 U.S.C. 1681s-2 ( b ) - Duties of furnishers upon notice of dispute * * 2. Fair Debt Collection Practices Act ( FDCPA ) Violations : * * - 15 U.S.C. 1692e - False or misleading representations- 15 U.S.C. 1692f - Unfair practices in debt collection - 15 U.S.C. 1692g - Validation of debts * * 3. Identity Theft Protection : * * - 15 U.S.C. 1681c-2 - Block of information resulting from identity theft - FTC Identity Theft Red Flags Rule - State identity theft statutes # # ACCOUNT DETAILS IN DISPUTE * * Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX Amount : {$150.00} - Placed in Collections : XX/XX/XXXX - Status : Account information disputed by consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX - Original Creditor : XXXX - Amount : {$2100.00} - Placed in Collections : XX/XX/XXXX - Status : Placed for collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX - Original Creditor : XXXX - Amount : {$1200.00} - Placed in Collections : XX/XX/XXXX - Status : Placed for collection Account XXXX XXXX XXXX XXXX XXXX Account #. XXXX -Original creditor : XXXX XXXX {$790.00} - Placed in Collections : XX/XX/XXXX - Status : Placed for collection # # IDENTITY THEFT AFFIRMATION I hereby affirm under penalty of perjury that : 1. I did not open, authorize, or otherwise create these accounts 2. I did not receive any goods or services from the original creditors 3. These accounts are the result of identity theft 4. I have filed an identity theft report with appropriate authorities 5. I have never made any payments on these fraudulent accounts # # IMMEDIATE DEMANDS XXXX XXXX XXXX. BLOCK AND REMOVE ACCOUNTS : * * Under 15 U.S.C. 1681c-2, you are REQUIRED to block these accounts immediately upon receipt of this identity theft dispute. You have 4 business days to block the information. 

* * 2. CEASE ALL COLLECTION ACTIVITIES : * * Under the FDCPA, you must immediately cease all collection activities on these fraudulent accounts.

* * 3. PROVIDE REQUIRED DOCUMENTATION : * * You must provide the following within 30 days : * * A. Validation Documentation : * * - Original signed contracts or agreements - Complete payment history - Chain of title showing legal ownership of the debt - Authorization to collect in the state of Alabama * * B. Securitization Documentation : * * - Complete pooling and servicing agreement - Securitization documents showing transfer of ownership - Chain of custody documentation from original creditor to current collector - Proof of standing to collect ( beneficial ownership ) * * C. Compliance Documentation : * * - Alabama collection agency license - Proof of compliance with Alabama debt collection laws- Documentation of compliance with FDCPA notice requirements # # LEGAL CONSEQUENCES OF NON-COMPLIANCE * * 1. FCRA Violations : * * - Statutory damages : $ 100- {$1000.00} per violation - Actual damages including emotional distress - Punitive damages- Attorney fees and costs * * 2. FDCPA Violations : * * - Statutory damages up to {$1000.00} - Actual damages- Attorney fees and costs * * 3. State Law Violations : * * - Alabama Consumer Credit Act violations- Alabama Deceptive Trade Practices Act - Additional state statutory damages # # VERIFICATION REQUIREMENTS This dispute triggers your obligation under 15 U.S.C. 1681s-2 ( b ) to : 1. Investigate the dispute within 30 days 2. Report results to all credit reporting agencies XXXX. Provide me with written results of investigation Your failure to properly investigate or your continued reporting of these fraudulent accounts constitutes willful non-compliance with federal law. 

# # CEASE AND DESIST DEMAND You are hereby directed to : 1. Immediately cease all collection activities 2. Remove accounts from all credit reports within 4 business days 3. Provide written confirmation of removal 4. Cease any further credit reporting of these accounts # # DOCUMENTATION ATTACHED - Copy of driver 's license - Identity theft affidavit - Credit report excerpts showing disputed accounts # # RESPONSE REQUIRED You must respond to this dispute within 30 days with : 1. Written confirmation of account removal 2. All requested documentation listed above 3. Confirmation that collection activities have ceased Your failure to respond appropriately will result in legal action for violations of federal and state consumer protection laws.

# # RESERVATION OF RIGHTS I reserve all rights under federal and state law, including but not limited to the right to : - File complaints with regulatory agencies- Pursue legal action for statutory and actual damages - Seek attorney fees and costs - Pursue injunctive relief This communication is from a consumer and is protected under federal law. Any disclosure or use of this information for purposes other than debt collection is prohibited. 

* * RESPOND WITHIN 30 DAYS OR FACE LEGAL CONSEQUENCES XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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