Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unlawful credit reporting by XXXX XXXX XXXX, which is currently furnishing a charged-off account on my consumer credit reports that does not belong to me. I have never had an account with XXXX XXXX XXXX, have never entered into any contractual agreement with this company, and do not owe them any money. I have no knowledge of how XXXX XXXX XXXX obtained my personal information, as I have never conducted business with them in any capacity. 
Inaccurate Account Information Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Status Reported : Charge-off / Open collection Balance Reported : Incorrect and disputed This account does not accurately represent me, is not connected to me, and is being reported without my authorization or consent. XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information with knowledge of inaccuracies 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681b ( c ) ( 3 ) No permissible purpose to obtain or furnish my consumer report 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1692c ( c ) Improper communication in connection with debt collection 12 CFR 1006.34 Failure to provide proper debt validation notice 15 U.S.C. 1681a ( e ) Improper use and disclosure of consumer information Additionally, because I never opened or authorized this account, the furnishing of this information appears to be the result of identity theft or a data breach, implicating 18 U.S.C. 1028A ( Aggravated Identity Theft ). As a direct result of this inaccurate reporting, I have been denied credit, suffering financial harm and damage to my consumer reputation. I previously disputed this account with the credit reporting agencies. Despite these disputes, the account remains inaccurately reported, demonstrating a failure by XXXX XXXX XXXX to comply with its reinvestigation obligations under XXXX5 U.S.C. 1681s-2 ( b ).

Because this alleged debt has not been validated, lacks a contractual agreement, and is not mine, XXXX XXXX XXXX must : 1. Immediately cease furnishing this account to all consumer reporting agencies 2. Delete the account entirely and remove all negative payment history 3. Provide documented proof of obligation, including an original signed contract, if they claim the account is valid Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand the immediate removal of this account due to identity theftrelated inaccuracies. Failure to comply may subject XXXX XXXX XXXX to liability for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

I respectfully request the CFPBs assistance in enforcing compliance and ensuring the prompt removal of this inaccurate account from my consumer credit reports. Please conduct a full investigation and notify me in writing of your findings within 30 days.

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