Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15324452
Complaint Overview
Complaint ID: 15324452
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 760XX
Date Received: 2025-08-15T12:00:00-05:00
Date Sent to Company: 2025-08-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against XXXX Bank, XXXX XXXX XXXX XXXX XXXX, Experian, TransUnion, and Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ) and related federal regulations. Previously, I discovered a fraudulent XXXX Bank account appearing on my credit reports. I provided XXXX Bank and all three credit bureaus with an FTC Identity Theft Report and other supporting documentation as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). Pursuant to federal law, XXXX Bank removed and blocked the fraudulent account from all three credit reporting agencies. This resolution was confirmed, and my credit was restored. However, in XXXX of 2025, XXXX XXXX XXXX XXXX XXXX, acting on behalf of XXXX Bank or having obtained the account from them, began contacting me to collect on this same fraudulent account. Additionally, they reported this alleged debt to all three credit reporting agencies, causing new negative entries on my credit file. This action has significantly and adversely impacted my credit standing and is in direct violation of federal consumer protection laws. Violations of Federal Law : 1. FCRA 605B Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) Once a consumer provides an identity theft report, a furnisher and credit reporting agency must block the reporting of the fraudulent information and prevent it from reappearing. XXXX Bank had no lawful right to transfer or reassign this fraudulent debt to XXXX XXXX XXXX for further collection or reporting. 2. FCRA 623 ( a ) ( 6 ) Duties of Furnishers After Notice of Identity Theft ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) A furnisher who has been provided an identity theft report may not sell, transfer, or place for collection any debt arising from the identity theft. XXXX Bank violated this provision by allowing XXXX XXXX XXXX to attempt collection. 3. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishers may not report information they know or should know is inaccurate. XXXX XXXX XXXX reported this fraudulent debt despite its prior confirmed removal. 4. FCRA 1681b ( f ) Permissible Purpose for Obtaining a Credit Report XXXX XXXX XXXX likely obtained and used my credit report in connection with collecting a fraudulent account, which is not a permissible purpose under the statute. 5. FCRA 1681s-2 ( b ) Duty to Investigate Disputed Information After receiving notice from the credit bureaus or me directly, both XXXX Bank and XXXX XXXX XXXX XXXX XXXX conduct a reasonable investigation, as evidenced by the continued reporting and collection attempts. 6. FDCPA Violations ( 15 U.S.C. 1692e and 1692f ) False or misleading representations and unfair practices in attempting to collect a debt that is not owed.
Frequently Asked Questions
What is Complaint #15324452 about?
Complaint #15324452 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-15T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.