Consumer complaint received 2026-05-18 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: MD

Complaint narrative:
This XXXX XXXX XXXX debt is the result of identity theft and does not belong to me. I disputed this account multiple times and Experian has already removed this debt from my credit report three separate times, proving there were serious issues with its accuracy. However, Experian illegally reinserted the account again without providing any new information, without proper certification from the furnisher, and without sending me the required written notice by mail as required under FCRA 611 ( a ) ( 5 ) ( B ). Experian can not continue deleting and reinserting fraudulent debt whenever they choose while refusing to explain how or why. Reinsertion without proper notice and certification is a direct violation of federal law. On XX/XX/year> at approximately XXXX XXXX, I spoke with an Experian customer service agent named XXXX XXXX on a recorded call that lasted approximately 28 minutes. During that call, I repeatedly requested the full method of verification and asked for actual proof showing how they determined this account belonged to me. I specifically explained that simply stating the furnisher verified the debt is not a lawful response under FCRA 611 ( a ) ( 7 ). Telling me it is verified is not an answer. Blindly believing the furnisher is not an investigation. Experian is legally required to explain what documents were reviewed, who verified the debt, how they concluded it was mine, and provide the full method of verification. XXXX XXXX refused to provide any proof and continued repeating the same scripted statement that the furnisher verified the debt. He would not answer direct questions, would not explain the investigation, and effectively forced the call to end without resolution. When I called back, Experian blocked my ability to reach a live representative and would not connect me with anyone. Experian has also blocked me online from viewing the actual dispute reason and investigation details. They have not sent me proper written notice by mail and have made it intentionally difficult to access the results of their so-called investigation. This appears to be a deliberate effort to avoid compliance with federal law and prevent consumers from enforcing their rights. Experian controls what is reported on my credit file and can not shift responsibility by telling me to contact the furnisher while they continue damaging my credit. Their refusal to provide detailed answers while continuing to report false information is reckless and unacceptable. Their actions have caused serious financial harm, damage to my creditworthiness, emotional distress, and interference with my ability to obtain fair credit opportunities. Experian has exhausted all reasonable time to correct this issue and their continued misconduct now calls for aggressive legal action. I am demanding that CFPB immediately investigate Experians repeated illegal conduct, require the immediate permanent deletion of the XXXX XXXX XXXX account from my credit file, require full written disclosure of the method of verification, require proof of lawful reinsertion certification, and hold Experian accountable for repeated FCRA violations. If this matter is not resolved immediately, I intend to pursue formal legal action for willful noncompliance under the FCRA, including claims for statutory damages, actual damages, attorney fees, and punitive damages. Experian does not have the right to play with my credit, repeatedly reinsert fraudulent debt, and refuse to provide lawful answers when challenged. I also directly contacted XXXX XXXX XXXX and informed them that this alleged debt does not belong to me. I specifically advised them that the account associated with this debt, including the account number and routing information they are relying on, is not mine and does not belong to me. I made it clear that this is a case of identity theft and unauthorized use of my personal information. Despite being notified directly, the debt continues to be reported and verified without valid proof. This further shows that both the furnisher and Experian are relying on inaccurate and unverified information while continuing to damage my credit. Experian can not hide behind the furnisher, and the furnisher can not continue claiming validity after being directly informed that the account and banking information are not mine. Continuing to report and verify fraudulent debt after notice of identity theft is reckless, negligent, and a serious violation of my rights under the Fair Credit Reporting Act. the attachment is a email from maryland informing me i am a victim of identity theft and my social and info was leaked thorugh experian and not them.

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