Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I pulled my consumer report. I noticed that an unauthorized alleged debt with the balance of {$66000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. It also stated that the 'status ' was updated for XX/XX/XXXX and that the date of this alleged debt was opened XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$66000.00}. Instead, they sent me an unknown document that appears to have fraudulent information regarding my personal information. The document appears to be written by someone other than myself, a fraudulent signature and inaccurate/misleading information. Within the document that XXXX sent through the Consumer Financial Protection Bureau portal, I see more than XXXX inaccurate information including the stamped date on the document that says XX/XX/XXXX ( how can this be if the alleged account was opened XX/XX/XXXX? ), my middle initial is missing from the first and last name portion, the wrong address in which is NOT my residence, misspelling of my employer, reference information ( I do not have a father XXXX XXXX whose address in is XXXX  or a friend XXXX XXXX whose address is in Illinois ) and the most fraudulent activity of these inaccuracies a signature that is NOT mine. I ALWAYS sign with my middle initial. I do not know how this company has had access to my social security number.as I never given it to them and I do NOT sign my name is such way. In response to the complaint, there is no law stating that I have to file a police report, although I have credit locks on my consumer report. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between a live person for the company XXXX and Experian, a personal dated handwritten and my signature sample to compare my handwriting style to the fraudulent signature and handwriting on the enclosed alleged debt form from XXXX and other supporting documentation. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$66000.00} placed on my consumer report shows that I am not protected as a consumer from Experian or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. I do not know where this alleged debt has come from, as it has not been listed on my consumer report before XX/XX/XXXX. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not send me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent hand written document which in turn makes their " verification '' investigation null and void. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

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