Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be corrected or deleted. 
The errors which prompted this credit report dispute include : A credit account using my identity was made in XX/XX/2018, and is now in my collections for XXXX dollars. In XX/XX/2018, I was XXXX XXXX XXXX. I'm not sure why your services allowed this account to be made, but it was not done legally. I'm not sure why your services allowed this account to be made, but it was not done legally. I have made the attempt to dispute it through : XXXX XXXX, XXXX, and Experian. Each source has told me to contact you directly. Please delete this off of my report. 
I have certified documentation of my identity that supports my dispute of this erroneous entry on my report. If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. 
( Section 1031 of the Dodd-Frank Act ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose.

If you are able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If you're unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the addresses listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.

Please investigate and update these items as soon as possible.

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 non-monetary relief