Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MI
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:
This is in response to the closed complaint : XXXX by XXXX on the alleged debt of {$66000.00} for account number XXXX. After pulling my consumer report on XX/XX/XXXX, I noticed an unauthorized alleged debt with the balance of {$66000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. It also stated that the 'status ' was updated for XX/XX/XXXX and that the date of this alleged debt was opened XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$66000.00}. Instead, they sent me an unknown document that appears to have fraudulent information regarding my personal information. The document appears to be written by someone other than myself, a fraudulent signature and inaccurate/misleading information. This company states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I am harmed by this company XXXX and more so anxious of their meaningless investigation. This company abrasively states that this student loan debt belongs to me, as it does NOT belong to me. I see more than five inaccurate information including the stamped date on the document that says XX/XX/XXXX ( how can this be if the alleged account was opened XX/XX/XXXX? ), my middle initial is missing from the first and last name portion, the wrong address in which is NOT my residence, misspelling of my employer, reference information ( I do not have a father XXXX XXXX whose address in is CA or a friend XXXX XXXX whose address is in Illinois ) and the most fraudulent activity of these inaccuracies a signature that is NOT mine. I ALWAYS sign with my middle initial. I do not know how this company has had access to my social security number.as I never given it to them. This alleged debt has just appeared on my consumer report in XXXX of XXXX. My consumer right as a natural person state that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, ONCE again, this company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent handwritten document which in turn makes their " verification '' investigation null and void. I will be seeking legal action against XXXX for violation of my consumer protection rights. XXXX has still yet to produce documentation that states I have consent of this alleged debt, a photocopy of identification, wet ink signature, thumb print, video footage and/or witnesses to actively prove this alleged account/debt belongs to me. It appears that this company is willfully defaming my character and abusing my rights as a natural born consumer.

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