Consumer complaint received 2019-07-16
Company: Experian Information Solutions Inc.
State: MD
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:
Response to Complaint ID : XXXX XXXX contacted me with different letters saying : 1 ) Uncontested payments were remitted to each account from a valid XXXX XXXX checking account in my name. 
First of all, the XXXX XXXX checking account that XXXX is alleging to is not a Checking Account but rather a Business Checking account ending with XXXX with a business name on it not in my name ( XXXX must provide documents matching my name with the account they are referencing to ). For the record, anyone can opened a Business Checking account under an individual name if they have the information to do so. 
2 ) XXXX did not receive any documents indicating that payments were made fraudulently and that the account was closed due to fraud. 
If the account was opened without my knowledge, how can I dispute payments that was made from an account that I am not aware of? Also, XXXX XXXX indicated that they can not send any letter either to me or XXXX confirming or denying that the account was opened fraudulently because this account was opened ONLINE. However, XXXX XXXX took necessary steps to close the account. 
3 ) Record indicated that these accounts were previously closed by the bank in XX/XX/2018. 
You are making my point because it was only when these accounts were closed that I was aware about those account. I disputed the account as soon as I became aware that the account was closed and were reported as past due. 
Couple years ago, I have lost my ID along with all my information which had all 3 bureaus place a credit fraud alert on my credit as a result of identity theft. As a result, on XX/XX/2018, I have disputed with the CFPB and have all the disputed items removed from my credit report. 
Now, enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that claimed an Identity Theft, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
XXXX has the right to do their own investigations. However, XXXX is also obligated by federal laws to provide concrete evidences such as documentations on their possession or obtained from XXXX XXXX linking me without reasonable doubt to either their accounts or the account referred as the XXXX XXXX account remitting payment. 
Failure to provide all of these documents, or concrete evidences, obligated by federal laws, the Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices. Also, I suggest that XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about these accounts from my credit files. Finally, I warn XXXX to SETTLE the case now rather than later.

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