Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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 just got off of the phone with XXXX XXXX and XXXX just now because I pulled my 3 bureau Experian credit report through Experian and what their reporting on their 3 bureau credit compared to what XXXX and XXXX XXXX are reporting is totally inaccurate information!! 
I also called once again all the fraudulent accounts that are reporting on my Experian Credit Report and the outcomes is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - After speaking to this credit unions fraud department, it was confirmed that this account is not mine. It has no affiliation to any of my personal information or my social security number. 
2. XXXX XXXX XXXX - After speaking to the rep at this collection agency, they also confirmed that my personal information and social security number does not even show up in their system. But on my Experian Credit Report, its stating that XXXX XXXX XXXX is collecting on behalf of XXXX XXXX XXXX XXXX XXXX, the company I addressed above. I also asked the rep regarding the second account that is showing up on my credit report and it was confirmed by the same agent that my information doesn't even show up in their system at all. 
3. XXXX XXXX XXXX- I first called and spoke to a leasing agent at The XXXXXXXX XXXX and they also confirmed that my personal information, nor my social security number is showing that I ever had leased an apartment with them. The next call I made was to the collection agency collecting on behalf of The XXXXXXXX XXXX  and the rep I spoke to at XXXX XXXX XXXX also confirmed that my personal information is not in their system nor is my social security number. 
4. My last and final call I made was to XXXX XXXX XXXX XXXX, they confirmed that my personal information, or my social security number is not showing up in their system as far as me ever having any collection account with their ever. 
As I mentioned above, I spoke to reps at XXXX 's fraud department as well as XXXX XXXX XXXX Fraud department and both reps confirmed with me that the XXXX bureau which I pulled through Experian is not accurate at all. 
On the XXXX Credit Report I pulled through Experian, it states that I have a XXXX XXXXXXXX XXXX credit report, XXXX XXXXXXXX XXXX Credit Card and a XXXX XXXX XXXX XXXX, which are all supposed to be reporting negatively on my XXXX Credit Report and when I call XXXX directly, they just confirmed with me that the 3 bureau credit report I pulled through Experian is incorrect because they never show me ever having those accounts as well. 
I called XXXX XXXX and they also confirmed with me that none of the information from the 3 bureau credit report that I pulled through Experian is accurate reporting. I don't and never have had a XXXX XXXX XXXX XXXX, I never had a Creditor Bank Credit Card I never had a XXXX XXXX credit card, I never had an XXXX XXXX XXXX collection account collecting on behalf of Speedy Cash in the amount of {$310.00}. I've never obtained a speedy cash loan in my life for that matter. I called all creditors listed above and i also don't show up in their computer system. 
My credit report is mixed with someone else 's, on Experian 's end. I called and spoke to a rep in the Special Services Department and the rep said she couldn't confirm that my credit report is mixed with another XXXX XXXX but she said that I have to wait for the outcome. When i brought up the inconsistencies with my XXXX and XXXX XXXX when I pull my credit report through Experian compared to what is actually reporting on my actual XXXX and XXXX XXXX credit report 's, the rep in the special services department of Experian 's response was that they can only see what is reporting on my Experian Credit report even though I pulled my 3 bureau credit report through Experian.

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