Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: TX
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 NOT A DUPLICATE CLAIM OR SUBMITTED BY A THIRD-PARTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX since XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX On XX/XX/XXXX, I was targeted, and my car was broken into, my purse containing my social security card, drivers license, credit cards, debit cards, blank checks and account numbers were stolen as I took my newborn into daycare. Since then, XXXX XXXX has been convicted of Theft and XXXX XXXX has been convicted of theft of Identifying Information ( I dont know either person ). Both individuals have assumed my identity to open several fraudulent accounts, loans, enter into contracts and make payments using my stolen information. XXXX XXXX WAS CONVICTED AND TWO PEOPLE TESTIFIED THAT SHE OPENED ACCOUNTS IN MY NAME AND PAID THEM. ATTACHED ARE POLICE REPORTS, FTC REPORT, CHARGING INSTRUMENTS AND WITNESS STATEMENTS FOR BOTH CONVICTED, AND COURT BRIEFS LISTING ME AS THE VICTIM OF BOTH CRIMES. Many of the accounts have been open and maintained for over a year. For a period of time my personal checking account was taken over by fraud. For several years I was unable to access my credit reports due to not being able to identify myself to the bureaus as my information was mingled with the person who had assumed my identity. During that time in XXXX of XXXX, I contacted XXXX at the request of my XXXX loan servicer and disputed the fraudulent credit card account but was told to dispute it with the credit bureaus as never late until their investigation was complete. It is my belief that I was told to do so to stall because in XXXX of XXXX I would be barred from having this account removed. Also during the time I couldnt access my credit report, student loans were opened in my name through a third-party student loan provider which blended in with my other federal loans but only appeared on my Experian file. I have been in school continuously on a part-time bases since XXXX of XXXX until I graduated XXXX XXXX in XXXX of XXXX and have NEVER made a student loan payment as they have always been on hold due to my enrollment. Although it seems I have made a payment on the XXXX XXXX XXXX XXXX accounts, I havent. I would like the following information blocked from my credit report as each account is a product of the Theft and/or Forgery : 1. XXXX Account Number : XXXX Amount : {$16000.00} 2. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$4000.00} Police Reports : 1. Agency : XXXX Police Department Offense Report Title : XXXX Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$10000.00} XXXX. TX XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$9600.00} XXXX. Entered by : XXXX XXXX XXXX : XXXX Police Department Offense Report Title : XXXX XXXX XXXX Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX XXXX THESE ACCOUNTS WERE DELETED ON XX/XX/XXXX AND REINSTATED ON XX/XX/XXXX ATTACHED : 1. Drivers license front and back 2. FTC Report XXXX. XXXX Police Report 4. XXXX  Police Report 5. XXXX  XXXX for XXXX XXXX with witness statements 6. XXXX  XXXX for 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 non-monetary relief