Consumer complaint received 2026-03-25 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute directly to XXXX XXXX XXXX, including a completed FTC Identity Theft Report executed under penalty of perjury identifying these accounts as fraudulent and the result of identity theft. Account Number : XXXX Account number : XXXX Account Name : XXXX XXXX XXXX This report constitutes a valid Identity Theft Report under 15 U.S.C. 1681a and provides all parties with direct notice that the accounts are disputed due to identity theft. XXXX responded through the CFPB portal on XX/XX/year>, providing only copies of prior XXXX XXXX billing statements and an internally generated account summary. No contract bearing my signature, no application, no account-level assignment documentation, no bill of sale identifying my specific account, and no documentation evidencing a complete chain of title were provided. Following that response, I submitted disputes through the consumer reporting agencies. Upon receipt of my dispute and Identity Theft Report, all furnishers were obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information, and report accurate results. Despite prior submission of my FTC Identity Theft Report and direct notice, XXXX verified the accounts as accurate and continued reporting. Experians report dated XX/XX/year> reflects that the information was Verified and Updated, with balance updates occurring after notice of identity theft, demonstrating continued furnishing of disputed and fraudulent information. Additionally, under 15 U.S.C. 1681c-2, upon receipt of a valid Identit y Theft Report, the consumer reporting agencies are required to block the reporting of such information within four ( 4 ) business days. Experian , XXXX XXXX XXXX have failed to comply with this statutory obligation and have continued to report these fraudulent accounts. After receiving notice through the consumer reporting agencies, XXXX again verified the accounts on XX/XX/year>. Please identify the specific documents reviewed in your investigation, including but not limited to : Any contract bearing my signature Any account application Any complete chain-of-title documentation Any bill of sale identifying my specific account Any document evidencing my authorization or liability Your prior responses failed to establish any contractual relationship between myself and XXXX XXXX XXXX or XXXX XXXX XXXX, nor did they demonstrate that a reasonable investigation was conducted prior to verification. Continued reporting of information resulting from identity theft after proper notice constitutes willful noncompliance under the Fair Credit Reporting Act and exposes all parties, including furnishers and consumer reporting agencies, to statutory and actual damages. Accordingly, I demand the following : Immediate BLOCK and deletion of all XXXX XXXX XXXX XXXX XXXX XXXX XXXX tradelines pursuant to 15 U.S.C. 1681c-2 Immediate cessation of all collection and reporting activity related to these accounts Full Method of Verification ( MOV ), including the name, address, and telephone number of the party contacted, along with a detailed description of the procedures used to verify this information Written confirmation that these accounts have been permanently removed from all consumer reporting agencies If deletion and compliance are not completed within fifteen ( 15 ) days of receipt of this notice, I will evaluate all available remedies under the Fair Credit Reporting Act and applicable federal and state laws, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau and pursuing legal action for willful noncompliance. Nothing in this letter constitutes a waiver of any rights, claims, or causes of action.

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