Consumer complaint received 2020-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
This is a COMPLAINT AGAINST EXPERIAN. I am to request that the Agency, to stop reporting accounts that it says belong to me, these accounts were opened without my permission and without my authorization, I request your company to block them from their systems and stop informing the agencies. This account credit is affecting my life very negatively. The accounts are : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, 4 ) XXXX XXXX XXXX, 5 ) XXXX XXXX XXXX, XXXX XXXX XXXX. FTC REPORT The information contained in this account is reported negatively in my credit report, I make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. I respectfully request that your offices provide me with competent evidence that this account belongs to me. Please provide the following : 1 ) The original application or contract 2 ) Any and all statements allegedly related to this account 3 ) Any and all canceled checks. 4 ) any legal document that proves that this account belongs to me. At this time I will also inform you that if your offices have reported invalid information to either of the other two agencies, this action could constitute fraud under federal and state law. Due to this fact, if XXXX continues to report any negative marks in any of my credit reports, I will not hesitate to initiate legal actions against you for the following : 1.Violation of the Fair Credit Reporting Law 2. Defamation of the character 3.  Damage If your offices can provide the proper documentation as requested in the following Statement, I will need at least 30 days to investigate this information and during that time all collection activity should cease and desist. Also, during this validation period, if steps are taken that may be considered detrimental to any of my credit reports, I will consult with my legal counsel to obtain a lawsuit. This includes any listing of any information in a credit reporting repository that may be inaccurate or invalidated or verify that an account is accurate when, in fact, no proof is provided. If your offices do not respond to this validation request within 30 days from the date of receipt, all references to this account must be removed and removed entirely from my credit file and they will send me a copy of that request for removal immediately. Block this  information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and incorrect for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a FTC REPORT. AFFIDAVIT and Police Report and all the documents required by law to support this fraud, sections XXXX and XXXX of the Fair Reports Act, which establish that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.

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