Consumer complaint received 2022-12-02
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:
This is the information which is fraudulently being reported by all three of the major credit reporting agencies I have filed to FTC reports to XXXX  reports a state attorney general report containing all of the fraudulent things that are on my consumer report as you will see here Ive detailed the misspellings of my name multiple times with Experian, XXXX and XXXX XXXX. You will also see inside of this report as well as all of the fraudulent addresses that are on my consumer report. I have reached out to them multiple times asking them to clarify I had to look into and validate and verify all of the things that are on my consumer report but continuously, they violate my rights they use my Social Security number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by Experian first, you will see then XXXX XXXX, then XXXX, all of the fraudulent accounts that are negative that were wrapped up by criminals and theyre reporting to my Consumer Reports. 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 given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains XXXX XXXX. And all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( Name of Bank ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Name of Bank ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance? I further remind you that, as in XXXX v. 
XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. ( EXPERIAN ) XXXX XXXXL Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$3000.00} Highest balance {$3000.00} Terms NA On record until XX/XX/XXXX. Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$8200.00} Highest balance {$0.00} Terms 36 Months Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$32.00}, XXXX written off. {$18.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$32000.00} Highest balance {$0.00} Terms 73 Months On record until XXXX XXXX. Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$290.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$290.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. Account info Account name XXXX XXXX Account number XXXX Account type NA Responsibility Individual Date opened XX/XX/XXXX Status NO STATUS. 
Status updated XX/XX/XXXX Balance Balance updated Recent payment Monthly payment NA Original balance Highest balance {$0.00} Terms 1 Months. Account info Account name XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance Balance updated Recent payment Monthly payment {$0.00} Original balance Highest balance {$0.00} Terms 1 Months. Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$3400.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$710.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$710.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. ( Fraudulent address ) XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX. This address has pertained to a business : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. 
This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX CA XXXX. 
XXXX XXXX  : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX. 
XXXX  : XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. 
( Fake names ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiries ). XXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX XXXX XXXX XXXX Inquired on On record until XXXXXXXX XXXX Inquired on On record until XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX. ( XXXX XXXX ). XXXX XXXX  XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection Account {$290.00} XX/XX/XXXX Open Account {$3800.00} XX/XX/XXXX Open Account {$710.00} XX/XX/XXXX. XXXX XXXX  XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Comments : TRANSFERRED TO RECOVERY CHARGED OFF ACCOUNT VARIABLE RATE Contact Info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  UT XXXX Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX 28 % XXXX XX/XX/XXXX {$3000.00} {$860.00} Individual Account XXXX payment history. ( XXXX inquiries ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Auto Financing No Phone Provided Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Auto Financing No Phone Provided Dispute XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Auto Financing No Phone Provided. XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Auto Financing No Phone Provided Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Auto Financing No Phone Provided. XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Comments : Transferred to recovery Contact Info : XXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XXXX XXXX 28 % XXXX XX/XX/XXXX {$3000.00} XXXX {$3000.00} Individual account. XXXX XXXX XXXX  XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Installment account XX/XX/XXXX Closed 30 days past due XXXX XXXX XXXX  XXXX XXXX, XXXX 100 % SO {$8200.00} 36 Months Joint account Comments : Closed Contact Info : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Installment account XX/XX/XXXX Closed Charged off as bad debt XX/XX/XXXX {$18000.00} XX/XX/XXXX 43 % {$18000.00} {$32000.00} 73 Months Joint account Comments : Profit and loss writeoff Contact Info : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened DEPTEDXXXX  XXXX Open/Closed Account Type Balance Date Opened DEPTEDXXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX Open/Closed Account Type Balance Open Installment account {$15000.00} XX/XX/XXXX Open Installment account XXXX XX/XX/XXXX Open Installment account {$20000.00} XX/XX/XXXX. DEPTEDXXXX XXXX Open/Closed Account Type Balance Date Opened DEPTEDXXXX XXXX Open/Closed Account Type Balance Date Opened DEPTEDXXXX XXXX Open/Closed Account Type Balance Date Opened DEPTEDXXXX XXXX Open/Closed Account Type Balance Open Installment account {$21000.00} XX/XX/XXXX Open Installment account {$14.00} XX/XX/XXXX ) Open Installment account {$15000.00} XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened XXXX XXXX Account Type Balance Date Opened XXXX XXXXXXXX XXXX Account Type Balance Date Opened Open account {$290.00} XX/XX/XXXX Open account {$6500.00} XX/XX/XXXX Open account {$3800.00} XX/XX/XXXX Open account {$710.00} XX/XX/XXXX. ( FRAUDULENT INQUIRIES ). XXXXXXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX Dispute XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX Dispute XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX. XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type Finance other than personal Phone Number XXXX Dispute Inquiry Type : Banks and XXXX & XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Banks and XXXX & XXXX XXXX Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Banks and XXXX & XXXX XXXX. XXXX XXXX Date Removal Date Type Phone Number XXXX XXXX Banks and XXXX & XXXX XXXX Dispute XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XXXX Banks and XXXX & XXXX XXXX Dispute XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Banks and XXXX & XXXX XXXX. I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( EXPERIAN XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 
( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies EXPERIAN/ XXXX  furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by EXPERIAN XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). 
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. 
If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

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