Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: AL
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

Complaint:
XXXX XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX  went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap! 

XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX This account was opened without my permission nor knowledge as someone who had stole my identity opened several accounts in my name fraudulent as this is one of the accounts. I am asking to get this account removed from my report asap! I have obtained a police report and also contact the creditor and they info they as me to verify does my match to my correct info as its not mines. I have also sent them my police report to get this removed.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Self / Lead Bank This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Opportunity Finance This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists First Premier This credit card account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX {$560.00} This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX & XXXX XXXX {$7600.00} balance ACCOUNT # ending in XXXX This account belongs to my XXXX XXXX  XXXX XXXX who ssn is one number different from mys. This individual ( brother ) ssn ends in XXXX mys ( whom is XXXX XXXX ends in XXXX ) but this report is coming up on my report as XXXX XXXX when it should be under XXXX XXXX XXXX. I have contacted the creditor numerous times to get this fixed but they failed to do so. Im asking this account be removed from my report for mix files as my XXXX brother XXXX XXXX is the one the owner of this account thats reporting I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX I XXXX XXXX is informing the credit bureau of XXXX about my credit report as I have pulled and obtained. 

Further investigation I have come across several accounts that does not pertain me to me nor have I have any knowledge of opening as I am a victim of identity theft. 

Accounts are as follows XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX This account is not my mines nor have a had or had any dealings with this bank, I have contacted them and they can not confirm any of my correct details upon asking of this debt that on my credit. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Opportunity Finance {$3000.00} XX/XX/XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists ( XXXX ) XXXX XXXX {$1100.00} XX/XX/XXXX ( XXXX ) XXXX XXXX $ XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking transunion to do their part and remove this account off my credit as it it not mines Town and country national bank {$8500.00} XX/XX/XXXX This account belongs to my XXXX  brother XXXX XXXX who ssn is XXXX number different from mys. This individual ( brother ) ssn ends in XXXX mys ( whom is XXXX XXXX ends in XXXX ) but this report is coming up on my report as XXXX XXXX when it should be under XXXX XXXX XXXX. I have contacted the creditor numerous times to get this fixed but they failed to do so. Im asking this account be removed from my report for mix files as my XXXX  brother XXXX XXXX is the XXXX the owner of this account thats reporting I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists American financial This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor American financial went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap! 

XXXX XXXX This account is a mixed file, this account belongs to my brother by them of XXXX XXXX who is my XXXX and as we share like names similar ssn number as his ssn is XXXX number different then mines as it is XXXX and my ssn ( XXXX XXXX is XXXX ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Experian XXXX Wireless XX/XX/XXXX {$1400.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking XXXX to do their part and remove this account off my credit as it it not mines XXXX XXXX XX/XX/XXXX {$1100.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking XXXX to do their part and remove this account off my credit as it it not mines XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} This account is not my mines nor have a had or had any dealings with this bank, I have contacted them and they can not confirm any of my correct details upon asking of this debt that on my credit. Someone used my information/ identity thats was stolen back in XXXX, my info was used to open this account that I did not give anyone permission to use nor open. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Opp Loans XX/XX/XXXX. {$3000.00} This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XX/XX/XXXX {$290.00} This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX  XXXX {$190.00} This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Also, these notes address below I will like to get them removed from my credit report as they do not pertain to me but to my XXXX brother who share the same similar name as me. 

American Financial This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor American financial went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Al XXXX XXXX XXXX way XXXX Al XXXX Back in XXXX i lost my wallet and have been experiencing numerous amouts of unknown account on my credit that im not aware of nkr authorized. such as credit inquiries ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fraudulent Accounts opened under my name and SHOULD BE REMOVED! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses that dont belong to me thats reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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