Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was applying for an auto loan. Auto loan was approved through XXXX XXXX XXXX XXXX. They let you see your credit report after they run your credit. On my credit report there were, what I believe, to be fraudulent charges. XXXX was a XXXX dollar loan from a jewelry company, XXXX was from my cell phone company, XXXX, and XXXX was another collections amount from XXXX. I do not have the full credit report in front of me and do not pay for a monitoring service - this is just from visual memory, looking at the report on my financial rep 's monitor. Also on the report were student loans, which ARE ACCURATE, so I knew that we were looking at the correct credit report. Now, I am trying to refinance on my existing auto loan ( approved through XXXX the day I found out about potential fraud on my credit ), however, XXXX will not approve due to an insufficient DTI ( dept to income ratio ) percentage. The DTI percentage is only high because of the fraudulent jewelry charge and other collection amounts on the credit report.. 

I went ahead and contacted XXXX customer support, followed by their credit department. The representative, XXXX, did not seem to believe I was telling the truth, and would not let me speak with a credit fraud representative. I was only trying to figure out why there was a XXXX collection amount on my credit report.. To her knowledge, there was no history of delinquent payments, or anything sent to collections under my account, XXXX XXXX , after running her search many times. 
****It should be noted, I received a piece of mail on XX/XX/XXXX from the XXXX about my XXXX account ending in XXXX, and XXXX privacy and account sharing policies. This is n't my account, according to XXXX and her records. Nor did she have any indication that XXXX or the XXXX or the XXXX had sent me any such notification for that matter - especially in an account ( XXXX ), not listed under my name. 

I have not started following up with the jewelry store ( XXXX? ) or my cell phone company, but I have a feeling they are going to give me the same response as the XXXX representative. I never received anything from the Jewelry company about a loan being opened in my name OR it not being paid off.. Neither have I ever received anything from XXXX ( a cell phone company I 've used for many years ) of having missed a particular payment so severly that it would be sent to collections ( XXXX would not allow continuous service, as they do now, with a delinquent cell phone payment ). 

I 'm hoping this is the proper next step to take in resolving this issue, it looked like some of these problems are dated XX/XX/XXXX, and my credit score is hurting very badly as a result. Please, contact me for additional information - I 'll help in any way I can. 
I do not have access to a scanner at this time, but can always find a scan and send in the XXXX letter if necessary.

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