Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: IL
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 am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX XXXX XXXX auto loan showing in my name that is fraudulent. I tried calling them XXXX times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper XXXX times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last XXXX items in that list. I sent them instead my XXXX report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE XXXX still failed to investigate this account they put the wrong account in investigation also they still haven't gave me any answer buts excuses.I have never had an account with these company MB XXXX XXXX  Account number # XXXX REMOVE from all credit agencies from reporting. XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX letter is in pursuing XXXX XXXX Code XXXX ( XXXX ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are XXXX XXXX XXXX the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( XXXX ) pursing to XXXX XXXX Code XXXX 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 especially when XXXX stole my idenity Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX Code XXXX Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices XXXXWhile pursuing to XXXX ( XXXX ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. XXXX XXXX Code XXXX Civil Liability ( XXXX ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( XXXX ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( XXXX ) ( XXXX ) ( XXXX ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within XXXX days of this notice.RE : Your agency Violated my rights to privacy. I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

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