Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
Re : Unverified and Fraudulent Debt Reporting To XXXX XXXX XXXX XXXX, XXXX, XXXX This is my final demand that you immediately and permanently cease and desist from reporting, attempting to collect, or otherwise pursuing the following fraudulent, unverified collection accounts that you have no legal right to claim : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ( Date Placed : XX/XX/XXXX ) XXXX XXXX XXXX {$3600.00} ( Date Placed : XXXX XXXX, XXXX ) I have previously disputed these accounts through verified mail, and I have proof that you received and signed for my dispute letters. Despite this, you ignored my legal request and continued to violate my rights by illegally re-reporting these fraudulent debts. Your actions are a clear, willful violation of federal law, and I will no longer tolerate this misconduct. 

CEASE & DESIST YOUR ACTIONS VIOLATE FEDERAL LAW XXXX. You Have Been Notified and Signed for My Disputes, Yet You Continue to Ignore Them I have documented proof that you received and signed for my disputes via verified mail, yet you have failed to respond or take corrective action. 
Your deliberate disregard for my legal rights demonstrates intentional noncompliance and bad faith. 

XXXX. You Are Not the Legal Owner of This Debt & Have No Right to Collect I have never entered into any contract or agreement with XXXX XXXX XXXX. 
You did not provide any service, credit, or goods to me, and you can not legally claim ownership of these debts. 
If you can not provide a signed contract proving I agreed to this debt, along with a full itemized statement from the original creditor, then you must immediately remove these accounts and permanently cease all further action regarding them. 

XXXX. You Are Violating the Fair Credit Reporting Act ( FCRA ) FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertions You reinserted previously disputed accounts without providing the required written notice and verifiable documentation.

This is a clear, willful violation of federal law and carries legal consequences.

FCRA 623 ( a ) ( 3 ) Reporting False Information You are knowingly misreporting and damaging my credit with unverifiable, false debts.

This is a direct violation of the FCRA, and I will hold you accountable if this does not stop immediately.

4. You Are Violating the Fair Debt Collection Practices Act ( FDCPA ) FDCPA 809 ( b ) Failure to Validate Debt If a consumer disputes a debt, you are required to provide full legal validation proving ownership and the right to collect.

You have failed to do this, meaning your collection attempts are fraudulent and unlawful.

FINAL DEMAND YOU HAVE 48 HOURS TO COMPLY IMMEDIATELY REMOVE these accounts from all reporting databases ( Experian, XXXX, XXXX, RentGrow, and any other rental screening agencies ). 
Permanently cease and desist from any further reporting, collection attempts, or contact regarding these fraudulent accounts. 
Provide written confirmation that these accounts have been permanently removed. 

FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If you do not cease and desist immediately and permanently and remove these accounts within XXXX hours, I will take the following actions : Initiate legal action against XXXX XXXX XXXX XXXX for willful noncompliance, financial damages, and legal fees under the FCRA and FDCPA. 
Request a federal investigation into your unlawful reporting and deceptive collection practices. 

I have given you multiple opportunities to correct these violations, and I have proof that you received and ignored my verified disputes. Your refusal to comply with the law is unacceptable and will have consequences. 

CEASE AND DESIST IMMEDIATELY AND PERMANENTLY. DO NOT REPORT THIS DEBT ON MY CREDIT REPORT OR RENT SCREENING REPORT. 

This is not a requestit is a final warning. You have XXXX hours before I escalate this matter to criminal authorities and federal regulators. 

Sincerely, 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