Consumer complaint received 2025-05-14 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:
I am a federally protected victim of human trafficking ( witness/victim protection program since XXXX ) with documented identity theft status. Diversified Adjustment Service ( DAS ), a XX/XX/XXXX-based collection agency, placed a fraudulent collection account on my Experian, XX/XX/XXXX, and XX/XX/XXXX credit reports related to XXXX XXXX XXXX XXXX where I have never resided nor held an account.

This debt is entirely fraudulent, and DAS was informed of this via : FTC Identity Theft Report Cease & Desist + Debt Validation letter ( certified ) Police report Victim/Witness protection documentation Formal disputes with all CRAs Multiple prior complaints to CFPB, XX/XX/XXXX, GA AG , MN AG Violations Committed : FCRA 605B DAS failed to block the identity theft-related tradeline after being provided proper documentation, including an FTC identity theft affidavit and police report. The tradeline remains on my credit report, harming my financial standing.

FCRA 623 ( a ) ( 1 ) ( A ) They furnished inaccurate information to CRAs, including : A balance of {$820.00} on XX/XX/XXXXwhile telling CFPB the debt was {$73.00} Marking the status as " Paid Off '' but listing no payment, no balance, no status date Reporting Account in dispute under the Fair Credit Billing Act, which is irrelevant and misleading as the FCBA applies to creditors, not third-party collectors or utilities FDCPA 807 ( 2 ) ( A ) DAS misrepresented the character and legal status of the debt and falsely coded the account to make it appear resolved or legitimate while still reporting it under Collections.

FDCPA 809 ( a ) No written validation or notice of the debt was provided within 5 days as required. I was never contacted, billed, or allowed an opportunity to dispute it pre-reporting.

GLBA ( 15 U.S.C. 6801 et seq. ) My personal data was clearly shared between XXXX XXXX and DAS without legal basis, consent, or contract, violating privacy laws.

UDAAP ( 12 U.S.C. 5536 ) The misleading tradeline entry ( conflicting balances, status, and legal references ) constitutes a deceptive furnishing practice under federal law. 

Why This Is NOT a Duplicate Complaint : Although I filed a previous CFPB complaint ( referenced in attachments ), this complaint addresses new violations and misconduct : False balance update to {$820.00} after stating to CFPB that {$73.00} was owed Status changed to Paid Off / No Status in XX/XX/XXXX to mislead CRAs Ongoing refusal to validate or delete the debt despite being legally required to do so Conflicting responses between their CFPB response and actual tradeline content These are new, independent violations and must be treated as a fresh complaint.

Damages I Have Suffered : Loss of a {$480000.00} mortgage due to credit score drop Over {$20000.00} in emergency relocation, hotel, and storage costs Reputational harm and emotional trauma especially severe due to my witness/victim protection status Denial of financial access, credit applications, and housing Ongoing retraumatization tied to prior abuse and human trafficking

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