Consumer complaint received 2019-05-03
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 XXXX XXXX XXXX am notifying you that I am a victim of identity theft due to the tender of payment not being returned to me and possibly cashed in at any Federal Reserve Bank or The US Treasury, nor have i re-contracted with XXXX XXXX  after the Tender of Payment was received and cashed on XX/XX/XXXX, and i am therefore requested that you do the following : Close the unauthorized account, delete from my credit reporting and pay the fines due. HISTORY OF XXXX XXXX AKA XXXX AKA  XXXX - According to the SEC reports XXXX XXXX XXXX XXXX ( XXXX  ) has been informing customers that it will soon be changing its name to XXXX XXXX. They are two separate banks with separate FDIC charters. However, both are currently part of the XXXX XXXX XXXX. Prior to its XXXX initial public offering, which raised {$2.00} billion, XXXX operated as a subsidiary of XXXX XXXX. XXXX XXXX, a wholly owned subsidiary of XXXX XXXX, was previously known as XXXX XXXX XXXX XXXX until XX/XX/XXXX. They failed to disclose this information in their agreement. It is important to know who the alleged debt is owed to for it is not XXXX XXXX. The company was renamed XXXX XXXX in XXXX, although it was founded in XXXX as the XXXX XXXX XXXX XXXX ( XXXX ) to be a provider of financing to automotive customers. Hidden within a name creating confusion! XXXX Aka XXXX XXXX has eluded and avoided to produce the original contract due to the failure to disclose who is who. If XXXX is XXXX XXXX and hid this information from the consumer and from the US Government please see XXXX Document 1 Filed XX/XX/XXXX Page 1 of 46 lawsuit showing XXXX XXXX f.k.a XXXX discriminated against consumers in various ways. As to this situation they are discriminating for not applying the Tender Of Payment with fraudulent and perjury reasons which are not true false and deceptive. 
I received emails and online adds from XXXX XXXX, In fact, if you looked prior to XXXX, you wouldn't have seen XXXX XXXX  anywhere. Then, in what appears to be an instant, it was everywhere. That's because XXXX XXXX was founded in XXXX but operated as a subsidiary of XXXX XXXX. It's now a retail bank but they don't discuss their history much. It would IPO in XXXX on the XXXX with the XXXX XXXX to the tune of {$2.00} billion. It didn't appear out of nowhere unless you consider an IPO out of nowhere. ( does this story sound familiar? XXXX XXXX  was once XXXX XXXX XXXX XXXX, XXXX 's financial services arm, and these stories rhyme ) CFPB Orders XXXX XXXX to Pay {$220.00} Million in Consumer Relief for Deceptive and Discriminatory Credit Card Practices XX/XX/XXXX. Please remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. Send notices to alleged creditors whom have not returned Tender of Payment [ s ] I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to reopen an account at your company. I did not open or authorize this account after the payment was tendered, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. If anything this account should show paid in full and closed. FDCPA 1692 807. False or misleading representations - Claiming that you XXXX XXXX   never receive the Tender Of Payment then threatened me with words like illegal form of payment, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 )  The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
FDCPA 1692 809. Validation of debts ( a ) Notice of debt ; contents ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ). XXXX XXXX  has never sent me a statement nor any verification of this alleged debt or its contents of a contract application or agreement. I have nothing to go on. The Tender of Payment was received by your offices originally on XX/XX/XXXX and my accounts were credited and reversed on XX/XX/XXXX alleging after nine days the payment was illegal which is false. On XX/XX/XXXX i resent that payment to the overnight address located at XXXX XXXX Remittance Dept. XXXX XXXX XXXX XXXX XXXX, FL XXXX and the tracking number isXXXX XXXX signature required. As i am a qualified financial institution under the 12 CFR 231.3 that states a person qualifies as a financial institution for purposes of section 401-407 of the Act if represents, oral or in writing, that i will engage in finial contracts, as a counterparts on both sides of one or more financial markets and either [ 1 ] had one or more finial contracts of a total gross dollar value of at least $ 1billion in notional principal amount outstanding on any day during the previous 15 month period with counterparts that are not its affiliates or [ 2 ] had total gross mark to market positions of at least $ 100million [ aggregated across counter-parties ] in one or more financial contracts on any day during the previous 15 month period .... My answer is Yes i have, with the US Treasury, XXXX, XXXX XXXX XXXX and XXXX XXXX well over one billion Dollars.

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