Debt collection -- Attempts to collect debt not owed -- Complaint #13168972
Complaint Overview
Complaint ID: 13168972
Company: Experian Information Solutions INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 32507
Date Received: 2025-04-24T12:00:00-05:00
Date Sent to Company: 2025-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A complaint was filed with the FTC for identity theft and XXXX for misconduct. I have no recollection of any business transaction with " XXXX XXXX ". XXXX XXXX XXXX provided an electronically signed contract as proof of account but I NEVER initiaited a phone call doing business with XXXX XXXX OR XXXX XXXX XXXX. Currently these " organizations are reporting a delinquency with the balance of {$1100.00} major credit reporting agencies. The CFPB removed a tradeline XXXX XXXX another third party agent acting on behalf of XXXX XXXX ( ORIGINAL CREDITOR ) .In fact, both are acting in bad faith and a report was made as advised to the FTC XXXX currently pending. Now that I am aware of this tradeline unlawfully reporting on my consumer report. I would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies.Any information used to create this tradeline on my credit report and tax documentation filed for cancellation of debt from original creditor. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States *. * * *, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. Transunion has removed the account over 6 times within the past year from collection attempt from XXXX XXXX XXXX! I'm disturbed with the credit reporting debt collection tatics and I need help... If you delete this tradeline and provide payment for {$1100.00} tradeline, I will drop my claim against the companies. XXXX XXXX XXXX XXXX request FTC report number for identity theft- XXXX. The tradeline is no longer reflecting on TRANSUNION OR EQUIFAX! However, EXPERIAN is acting bad faith inaccurately reporting debt without consumer consent. I will file another complaint with the FTC with updated information received from my credit XXXX. I never provided verbal consent or signature condemming me to a contract with XXXX XXXX XXXX OR XXXX XXXX. I will seek ligitiation small claims court regarding the matter and request the recorded call confirm my consent for the account opening.
Frequently Asked Questions
What is Complaint #13168972 about?
Complaint #13168972 was filed against Experian Information Solutions INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-24T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.