Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft Please Investigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

In accordance with the FCRA, everything has to be 100 % accurate on my credit report.

Experian credit bureau stated my accounts was properly investigated but it can not be possible if the XXXX account IS NOT MINE. The addresses and phone numbers associated with the XXXX account does not belong to me and they are not associated with any of the accounts with the 3 credit bureaus. Not Experian, XXXX or XXXX. 
This is grounds for removal of the XXXX account from my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am requesting a thorough investigation along with Experians method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
I reviewed my credit report for Experian. I saw an account for XXXX XXXX. THIS ACCOUNT IS NOT MINE. 
I called XXXX XXXX multiple times to try to rectify the issue. XXXX provided an account number associated with the debt. XXXX provided an address associated with the account at XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been to, lived in, or had a valid ID or drivers license for the state of Tennessee. The address on file with XXXX is not associated with my Experian credit report nor with the accounts for the other 2 credit reporting agencies ( XXXX and XXXX ). I have never requested my mail be forwarded to that address via USPS. According to XXXX, the address is for a car dealership named XXXX. One can not live at a business establishment. XXXX also has a phone number that I am not and have never been associated with. If Experian can not verify the accuracy of the information or validate the debt, the information should be deleted from my credit report. 
I have made several phone calls to Experian and have sent several certified letters informing the representatives that I have been a victim of identity theft multiple times. I have explained multiple times that I have filed an identity theft report with the Federal Trade Commission in early XXXX. I have repeatedly requested Experian send documents for me to review in regards to the XXXX XXXX account that is on my credit report. Experian has never sent the documents. There is a Freeze on my credit reports with all 3 credit bureaus ( Experian, XXXX and XXXX ). 
I request The following information from Experian regarding their investigation into the XXXX XXXX account on my credit report : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. 
Experian Credit Reporting agency did not provide any of the above requested information or documents. 
I called XXXX XXXX XXXX XXXX to try to rectify the issue. XXXX provided an account number associated with the debt. XXXX provided an address associated with the account at XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been to, lived in, or had a valid ID or drivers license for the state of Tennessee. The address on file with XXXX is not associated with my Experian credit report nor with the accounts for the other 2 credit reporting agencies ( XXXX and XXXX ). I have never requested my mail be forwarded to that address via USPS. According to XXXX, the address is for a car dealership named XXXX. One can not live at a business establishment. XXXX also has a phone number that I am not and have never been associated with. If Experian can not verify the accuracy of the information or validate the debt, the information should be deleted from my credit report. 
I created an account on the XXXX website and reviewed their documents. I requested the same documents from Experian in my dispute letters and Experian did not send anything related to the XXXX account. 
( XXXX ) The signature on the contract for XXXX with XXXX XXXX is not mine. If Experian truly did an investigation, they would have compared my signature on the multiple letters I have mailed to them to the signature on the documents with XXXX XXXX at the very least. All of th3 signatures I uploaded on this complaint and the documents I found are different. 
( XXXX ) I have never lived at the addresses on file with XXXX XXXX. 
( XXXX ) The address on the contract is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia. In XXXX, I lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia. I uploaded proof on Experians website site. On XX/XX/XXXX I was victim of internet crime on several occasions and completed a Complaint Referral Form with the Internet Crime Complaint Center while living at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia. A copy of that Complaint was uploaded on Experians website as proof that I did not live at the address on the contract with XXXX XXXX. 
( XXXX ) I have never lived at the address XXXX XXXX has mailed correspondence to. They sent multiple letter to XXXX XXXX XXXX XXXX XXXX, TN XXXX. I XXXX  the address. It belongs to a car delivery named XXXX. I have never lived at that address. I have never requested my mail be forwarded to that address via USPS. If Experian did a proper investigation, they could have at least XXXX  the address. 
The XXXX XXXX account is NOT MINE. XXXX and XXXX has already deleted the XXXX account information from the credit reports. Experian refuses to do the same. 
On Experians website related to the dispute results for the XXXX account, there is a area that says : Dispute Again With Additional Relevant Information.Add supporting documents. Accepted Formats : .tif and .pdf. 
I have uploaded 2 leases for addresses that I have lived at to prove that I have never lived at the addresses associated with the XXXX XXXX account. I also uploaded tax documents to prove my address at the time the contract with XXXX was signed. Everything was uploaded in pdf format as instructed by by Experians website. 
**Experian is gathering information from multiple sources ( factual and fraudulent ) the info to build a profile but refuses to use factual information from the actual consumer to use for their investigation to remove fraudulent/incorrect/invalidated information from the credit report. Instead of using the information and documents I have submitted for the investigation, Experian is adding to their profile. 
I have proven the XXXX XXXX account on my credit report is NOT MINE. Experian has inaccurate and invalid information that should be deleted from my credit report.

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