Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian. XXXX XXXXXXXX XXXX XXXXXXXX To XXXX XXXX Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  XXXX Account Number : XXXX I am writing to formally dispute the misleading information reported on my account, which violates FDCPA section 807. The payment history, account number, amounts, and payment status are all inaccurate. I request that you delete the incorrect late payment history immediately, as I am considering legal action regarding this matter. Thank you for your prompt attention to this issue.

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX  Account Number : XXXX I am writing to formally dispute the misleading information reported on my account, which violates FDCPA section 807. The payment history, account number, amounts, and payment status are all inaccurate. I request that you delete the incorrect late payment history immediately, as I am considering legal action regarding this matter. Thank you for your prompt attention to this issue.

3.Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX I am writing to formally dispute the misleading information reported on my account, which violates FDCPA section 807. The payment history, account number, amounts, and payment status are all inaccurate. I request that you delete the incorrect late payment history immediately, as I am considering legal action regarding this matter. Thank you for your prompt attention to this issue.

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL 1/2 Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per see ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil liabilityfor willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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