Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
THIS IS NOT A DUPLICATE COMPLAINT OR THIRD-PARTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX ( since XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX On XX/XX/XXXX, I was targeted, and my car was broken into, my purse containing my social security card, drivers license, credit cards, debit cards, blank checks and account numbers were stolen as I took my XXXX  into daycare. Since then, XXXX XXXX has been convicted of Theft/Aggravated Robbery and XXXX XXXX has been convicted of theft of Identifying Information ( I dont know either person ) on my behalf. Both individuals have assumed my identity to open several fraudulent accounts, loans, enter into contracts and make payments using my stolen information. Many of the accounts have been open and maintained for over a year. For a period of time my personal checking account was taken over by fraud. For several years I was unable to access my credit reports due to not being able to identify myself to the bureaus as my information was mingled with the person who had assumed my identity. During that time in XXXX of XXXX, I contacted XXXX at the request of my student loan servicer and disputed the fraudulent credit card account but was told to dispute it with the credit bureaus as never late until their investigation was complete. It is my belief that I was told to do so to stall because in XXXX of XXXX I would be barred from having this account removed. Also during the time I couldnt access my credit report, student loans were opened in my name through a third-party student loan provider which blended in with my other federal loans but only appeared on my Experian file. I have been in school continuously on a part-time bases since XXXX of XXXX until I graduated XXXX XXXX in XXXX of XXXX and have NEVER made a student loan payment as they have always been on hold due to my enrollment. Although it seems I have made a payment on the XXXX XXXXXXXX XXXX XXXX accounts, I havent. I would like the following information blocked from my credit report as each account is a product of the Theft and/or Forgery : XXXX. XXXX Account XXXX : XXXX Amount : {$16000.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$4000.00} XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$9600.00} Police Reports : XXXX. Agency : XXXX Police Department Offense Report Title : Forgery/Fraud/Conterfeit Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX Entered by XXXX XXXX XXXX XXXX. Agency : XXXX Police Department Offense Report Title : Burglary Motor Vehicle Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX XXXXXXXX THE CREDIT BUREAUS ARE REFUSING TO REMOVE THE ACCOUNTS AS THEY ARE SAYING PAYMENTS HAVE BEEN MADE ON ALL FOR OVER A YEAR ( THEIR POLICY NOT TO REMOVE ). XXXX ADVISED ME TO DISPUTE THIS ACCOUNT AS NEVER BEEN LATE XX/XX/XXXX UNTIL THEIR INVESTIGATION WAS COMPLETE BECAUSE THEY KNEW IN XX/XX/XXXX I WOULD BE BARRED FROM HAVING IT REMOVED.

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