Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: OK
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 have already filed a complaint with XXXX, Experian, and XXXX and their response was that they could not find me in their system or other excuses to further delay the process of them doing there job. However, I pay them all {$30.00} a month to monitor my credit so I find that really strange that they arent able to find me in their system under my Social Security number or they are needing more time, or a hundred other excuses that they have used mean while my life is being severally impacted by there lack of awareness and want to do anything to correct an issue that they are now aware of and orginally allowed to happen ... .. nevertheless. 

I am trying for probably the 10th time to get them to respond to what I need removed from my credit report due to fraud. My identity has been stolen more than once. I have filed with the federal trade commission. I have changed my Drivers License and I dont want to but I am closet to changing my Social Security Number leaglly with the IRS who i have already had a meeting with and was told they would allow me to due to the severity of the case. 
I have also made other formal complaints to XXXX, Experian, & XXXX and I have made complaints on the CFPB websote. However, the response is always something that is not complete, nor makes any sense because I am able to find myself in their system, and so are other lenders when I go to apply for credit and everyone else is able to see these fraudulent items on my credit report without problem but then when I bring it up to the 3 reporting agencies needing it removed they act like they can not work there own system and take the time to corrrect it they just allow there automated systems to generate slow repsonses that drag on the process and ignore the issue becuase they dont want to take the time to remove the items. 

Over all the student loans that are listed on my credit report are from fraud and even the orginator of the loans can see this. They have removed me from the loans and when you go to there website and search with my SSN Number to see what all loans are there under my name there are none anymore. They where able to see that the signature on the loans are not mine and some of them are not even signed. Also, you can see when and where i was actually in school at the time because I recieved other financial aid through government funding that was FREE money in the form of grants becasue i grew up poor ... ..not STUDENT LOANS and that money paid all of my schooling, books, and room/board. On top of that i receieved XXXX XXXX  to pay fo the rest. The school and FASFA would not of even allowed me to take out these loan as there was no debt owed at the start or end of any of the semesters of school for me to of even been ablet to qualify for that amount of student loan dollar amount taken out. 

The servicer of the dents orginally took me off of the loans... Then when realizing it was fraud and in a last ditch effort to save them money sold the dent under someone elses name, I am assuming the would be purpotrator. 

So not only are you reporting debts that are no longer tied to my SSN by the orginal creditor but you are also reporting denbts under the wrong compnay. 

These need to be removed immediatlry. I have asked enough time that it is time you do something! I do not want to have to sue you over this but I will. I can not have this ruin and control my life like it has for so long already. Please remove any and all of the items that I have listed below. I can prove that I was not living in the same state as these lines of credit and loans were taken out at the time. I have spoken to the companies that have backed these loans and they can clearly see that my Social Security number is not the one that is attached to them especially on the student loan side. All of the dents listed below do not have my signture on them and some haveno signature at all. Some of these dents have already been taken off of some experian, XXXX and XXXX and some of them have not. But every singel one of them needs to come off of all 3 of the credit beures. I have spoken to all of the creditors and they agree. They even agree that some of them have the wrong dates and have passed the statue of limitations 3-5 years in the state of oklahoma where i reside. 

The perpetrator paid on these loans for period of time in order for it to not look suspicious before he or she ran off on the loans and stopped paying. However they stopped paying these way back in XXXX, and i did not notice them or have the means to fix them until recently. There has also been other dates friom fraud that i have had removed. That where similar. 

However, I need these removed immediately from my credit report. They are wreaking havoc on my overall financial health and my life. This is a response to the original response to my request that my identity has been stolen more than once. I do not know if it was by the same person or a different person. However, they have taken out many of loans and fraudulently paid on some of these loans, even though they had taken them out on these loans include vehicles, student loans, credit cards and lines of credit for things like XXXX, etc. 

I have contacted and spoken to them as I see that you have not. I have called XXXX and the account number is not mine, the signature is not mine. The same goes for the signature and the ourt documents from the XXXX  reposession ( THIS HAS ALREADY BEEN REMOVED FROM EXPERIAN AND NEEDS TO BE REMOVED FROM XXXX AND XXXX ) If you had talked to these compnaies and the student loan servicing compnay you would know that my Social Security number is not the one listed on the loan documents and I did not go to those colleges and take out those loans. 

I can prove that I was living in different state than those loans originated in during those times. I have spoken to this matter with XXXX, and the other servicer and they have taken me off of the loans on their side. 
However, I need you guys to remove them off of my credit report, as well as a vehicle that was fraudulently listed and taken out by a line of credit in my name from XXXX and I guess was later recovered and charged off by them, as well as a line of credit for a XXXX. 

Some of these lines of credit have been paid on for a period of time. I believe that the perpetrator who stole my identity paid on them, so that way they were not be any suspicion around the initial loan generation. But that was over 7 years ago when the last payemnt took place. 

Please remove any and all of the debts I have listed below, these deaths do not belong to me, and they are controlling and disrupting my life to a great matter. I did not give permission for you guys to list these in your database, and I also am not the guarantor of these loans or lines of credit they need to be removed immediately and not placed back on to my report under my Social Security number, In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Online In Service Account : : XXXX XXXX : XXXX : : XXXX : XXXX : : Department of Ed/XXXX- XXXX Department of Ed/XXXX- XXXX Department of Ed/XXXX  XXXX Department of Ed/XXXX ; XXXX ; Department Education XXXX Department of EducationXXXX Department of Education XXXX 15 U.S.C 1681 Section 602 A , states that I have the right to privacy . 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information in inaccurate.

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