Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello I'm a natural person introducing myself by the CORRECT name of XXXX XXXX XXXX. After today XXXX it has come to my attention for the first time ever that I have been awfully distraught knowing my PERSONAL information has been sold illegally to debt collectors and posted on my credit score. After doing research, 15 U.S.C 1692d section 1 states " a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. I have officially experienced identity theft and unlawful violations by several companies and agencies listed on my personal credit files without my consent. I have a Federal Trade Commision report that states most of the companies that have violated my consumer credit files and also violated the consumer laws under FDCPA so this can be investigated. I will be listing the following names, dates and amounts stated on my XXXX and Experian credit reports that I do not recognize and DOES NOT have truthful information of me. I WOULD ALSO ADD THAT THERE ARE WRONG ADDRESSES ALL OVER MY CREDIT REPORT FILES THAT DEFINITELY NEED TO BE REMOVED and PHONE NUMBERS I HAVE NO KNOWLEDGE OF EVER OWNING IN MY LIFE. 

Date reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX XXXX. illegally reported an amount of {$6400.00} and added it to collections without my consent or knowledge, I do not approve this account having complete truthful information of me. 
Date Reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX illegally reported an amount of {$1800.00}. This account is not mine and I do not recognize this company or make any business with them. 
Date reported : XX/XX/2023 collection agency XXXX XXXX XXXX XXXX illegally reported a balance of {$120.00} and I actually had the time of the day to reach out to this company today and I spoke with a representative by the name of XXXX and she stated to me that the collection is for XXXX ; a company that is no longer in business and is trying to illegally collect from me with incorrect information of me ( like the rest of the other companies ). I was told by XXXX to send a dispute letter to XXXX XXXX XXXX XXXX but I honestly don't have the time to send every single dang company that has defrauded me a letter to dispute ALL of this non sense. 
I have NOT approved any hard inquiries and soft inquiries on my credit file made by other companies and agencies. 4 inquires from XXXX XXXX XXXX XXXX I have no business or accounts open with XXXX XXXX XXXX XXXX, or XXXX XXXX or XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX, GXXXX XXXX XXXX and ect. 

Please know that both of my credit reports from XXXX and Experian DO NOT MATCH with correct information I wouldn't doubt that if I retrieve my XXXX report it also has fraudulent information and is not complied with correct information either.

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