Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
I have already did a private dispute with Experian XXXX and XXXX! I woke up late XXXX in the morning to a notification from. My credit monitoring company I use and pay for and I immediately called the company and called my credit bureaus! 
Not only is this debt inaccurate and false and fraudulent on every level from the credit bureaus investigations to the collection company itself and then the original company which I can not get ahold of, its not ok or accurate, I have been in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and receive financial aid and all of my XXXX loans are up to date! This is inaccurate and illegal, I was never notified in wring by phone call or anything and I have had the same number and Address for over ten years! 

The first mistake is just putting something on to my personal credit file which is a violation without attempting to find me or notify me or talk to me or write me and then just attaching it or me knowing you have my information an can reach out to me! The company should had no problem doing that for a legal situation and proper attempt but they illegally and unprofessionally added this to my consumer file without my knowledge or knowing or even anything! I also have reached out to every party involved and am getting nowhere and of course once I did that instead of furnishing, e with proper information so I can further see where this is coming from now they are calling am harassing me and attempting tocollectan illegal false debt that has already been sold to them illegally and now are trying to collect from me illegally and I am being negatively viewed by my creditors and business partners for a negative item on my report that has UNIDENTIFIABLE AND MISLEADING AND INNACURATE INFORMATION AANDIS DIFFERENT ON EACH REPORT which is another violation! 

Experian XXXX XXXX XXXX XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - collection Date opened- XX/XX/2023 XXXXStatus-collection account {$2100.00} past due as of XX/XX/2023. 
Status updated- XX/XX/2023 Balance- {$2100.00} Balance Updated -XXXX XXXX XXXX Paid off-0 % Past due amount {$2100.00} Original amount XXXX Terms - 1 month Responsibility - individual Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX This is the fraud and the negative collection account and the way it is listed for Experian which is completely inaccurate and incorrect number one because it is not my debt number two because if it was open in XXXX, why was I not contacted and number three if it was updated in XXXX, why was I not contacted how is it a collection account here on Experian But a unpaid account on XXXX and a open account on XXXX? Which I will put in detail below?? That right there is also a violation then it says past due amount is the same amount as the original amount which makes no sense. All of this is completely inaccurate the whole way across the board, including the collection, a company and the original creditor, which has furnished me with no information, no signatures no nothing.! 

XXXX XXXX XXXX XXXX ( name is different than Experian and XXXX ) XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX  Account type - OPEN ACCOUNT ( different than other creditors ) how is it opened and a collection??? 
Date opened- XX/XX/2023 XXXXStatus- ( its blank but says other things on other creditors ) Status updated- XX/XX/2023 ( says XXXX on Experian ) Balance- {$2100.00} Balance Updated XXXX XXXXXXXX XXXX  Paid off-0 % Past due amount SAYS NOTHING!!!! 
Original amount XXXX Terms Responsibility - Contact info XXXX XXXX XXXX XXXX XXXX  XXXX MA XXXX Once again information is differ and inaccurate and false and wrong on all three bureaus XXXX XXXX XXXX XXXX ( different name in all 3 ) XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - collection Date opened- XX/XX/2023 XXXXStatus-UNPAID ( completely different on all bureaus ). 
Status updated- XX/XX/2023 Balance- {$2100.00} Balance Updated XXXX XXXX, 2023 Paid off-0 % Past due amount {$2100.00} Original amount XXXX Terms - Responsibility - individual Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Once again , all of the information is it accurate and incorrect and I would like a complete and thorough investigation. I have reached out to each and every credit bureau and I am now forwarding these documents as well as a notarized letter to them and I also am filing a report with the FTC federal trade commission and I will continue to file reports with you through Experian, XXXX and XXXX XXXX and this collection company and the original creditor until this is completely gone and off of my report and record. It is wrong it is in accurate and it is not my debt. 

Not only is this violation of me and XXXX, fair credit reporting code and rules of ethics, but it is violating code 15 US 1681 B2, code 15 US code 1681 C2, 15 US code 1681EB and code 15 US code 1681 a2 Im sure I do not have to break those down, but I can if I need to, and as a person that monitors their credit report and takes it into extreme measures and caution and has had issues in the past with these companies, and there are inaccuracies and fraudulent reporting and violation of our rights But I also completely am aware of everything going on, and I am more than willing to accommodate any debt or anything that is mine, or is proving to be mine however, the companies are not corresponding in a timely manner and not furnishing me with the proper information and I am immediately executing my rights under Those acts I have provided and requesting that this immediately be removed this collection account from first financial resources immediately be removed from all three credit bureaus Experian, XXXX and XXXX XXXX and I will continue to push and provide verification and do fourth I was XXXX XXXX XXXX XXXX at the time and I have always been a member and I am currently about to get my XXXX XXXX and I am in correlation with all of my financial aid man have never been in correlation with this company or this collection company or these finances listed inaccurately on my consumer report thank you very much. I have also done exactly what she requested and not provided my name or any personal information, and XXXX report itself which I am printing and furnishing to each of the credit bureaus and to the creditor and to the collection company thank you.

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