Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
XX/XX/XXXX To : Equifax Information Services, LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Fraudulent Collection Account ( XXXX XXXX XXXX ) To Whom It May Concern, This letter serves as my formal dispute and demand for immediate deletion of a fraudulent collection account being reported on my Equifax, Experian, and TransUnion credit reports. I have never opened, authorized, or conducted any business with the company listed below. 
Account in Dispute : XXXX XXXX XXXX Balance : {$2300.00} I recently discovered that my personal information has been compromised in multiple national data breaches, including the Equifax Data Breach, TransUnion Data Breach, and XXXX XXXX XXXX XXXX. It is evident that someone has obtained my personal information and used it to open this fraudulent collection account without my consent. 
This account is inaccurate, unverifiable, and unauthorized, and its continued reporting is a direct violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ).

Violations Include : FCRA 602 ( A ) Credit bureaus must maintain accurate and fair credit reporting. Continuing to report an unverified and fraudulent account violates this obligation.

FCRA 604 ( a ) Credit reports can only be furnished for permissible purposes. Reporting an account opened fraudulently violates this section. FCRA 611 ( a ) You are required to conduct a reasonable reinvestigation of disputed information and remove unverifiable data within 30 days.

FCRA 623 ( a ) ( 3 ) Furnishers of information must not report information they know, or should know, is inaccurate.

FACTA 605B ( 15 U.S.C. 1681c-2 ) Upon proof of identity theft ( including an FTC affidavit or police report ), the bureaus must block and permanently delete any fraudulent information related to the theft.

FDCPA 807 ( 8 ) Prohibits communication of false credit information, including reporting debts not owed.

FDCPA 809 ( b ) Requires debt collectors to cease collection activity if a debt is disputed until verification is provided ; none has been supplied in this case. 
I am demanding the immediate and permanent deletion of this fraudulent XXXX XXXX XXXX account from all three of my credit reports. Continuing to report this false debt will constitute willful noncompliance under FCRA 616617, making your agency and the furnisher subject to civil penalties.

Given that the federal government shutdown has delayed the processing of regulatory complaints, I am requesting that your agency act expeditiously and in good faith to resolve this dispute without unnecessary delay.

Please provide written confirmation that this account has been permanently deleted and blocked from future reinsertion, as required by FCRA 611 ( a ) ( 5 ) ( B ). I am including copies of my FTC Identity Theft Affidavit, government-issued ID, and proof of address to support this dispute.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and my State Attorney Generals Office for enforcement action. 
Sincerely, XXXX 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