Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX XXXX regarding their unlawful handling, collection, and reporting of an alleged debt. This agency has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Uniform Commercial Code ( UCC ).

The actions of this debt collector have resulted in inaccurate reporting, harassment, and monetary harm, severely impacting my ability to access essential credit.

Violations and Legal Breaches : 1. FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must maintain maximum possible accuracy in reporting. The continued reporting of an unverified or incorrect debt violates this standard. 
XXXX. FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers of credit information ( including debt collectors ) are legally obligated to investigate disputes and correct or delete inaccurate information. No proper investigation or correction has been conducted in this matter. 
XXXX. FDCPA 15 U.S.C. 1692e & 1692g : It is unlawful for a debt collector to use false, deceptive, or misleading representations in connection with the collection of any debt. I have not received a proper validation of the alleged debt, as required under 1692g. 
XXXX. UCC 3-603 & 3-311 : According to the UCC, when a debt has been satisfied or disputed in full faith, or no legal obligation is proven, the debt is considered discharged. Reporting or collecting on a discharged or unverified debt is a commercial violation. 
XXXX. UCC 1-308 Reservation of Rights : I hereby reserve all rights under UCC 1-308 without prejudice and do not waive any rights by engaging in this complaint.

As a result of these violations : I have been wrongfully denied financing for major life necessities, including a home and automobile.

My credit score has been damaged based on invalid or unverified information. 
I have endured emotional distress and financial losses due to unlawful collection practices. 

XXXX. Immediate Deletion With Prejudice I demand the complete and permanent removal of this account from all credit reporting agencies ( Experian, Equifax, TransUnion ), as it is inaccurate, unverified, and harmful. 
XXXX. Cease & Desist Further Collection or Reporting All further collection activities or attempts to reinsert this item on my credit report must cease immediately under penalty of law. 
XXXX. Full Investigation by the CFPB I am requesting the CFPB conduct a thorough investigation into this debt collectors practices and compliance with federal and commercial law. 
XXXX. Monetary Relief and Compensation Due to the adverse impact on my financial well-being, I seek monetary compensation for the harm caused, including denial of credit, lost opportunities, and emotional distress. 

This complaint is submitted in good faith, I trust the CFPB will act swiftly to ensure this matter is resolved and my consumer rights are upheld.

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