Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$7300.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3300.00} DATE OPENED : XX/XX/XXXX EXPERIAN ACCOUNT NAME : DPT EDXXXX XXXX BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX BALANCE : {$3900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$7300.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT EDXXXX XXXX BALANCE : {$3800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3300.00} DATE OPENED : XX/XX/XXXX XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$1900.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT EDXXXX XXXX BALANCE : {$4700.00} DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DPT ED/ XXXX BALANCE : {$3400.00} DATE OPENED : XX/XX/XXXX I am victim of identity theft and have filled out the Identity Theft Victims Complaint and affidavit. I left my social lying around in my household countless times not knowing the power it upholds. I even had my car stolen before with my personal information inside when people were looting during the XXXX XXXX Incident. Furthermore, even lost my cell phone with pictures of my SSN and photo of my government issued ID. I dont know exactly who is doing these things but somebody have been benefiting from using my personal information, which shows on my credit profile. I recently had to update my address, name and phone number with each bureaus because they have listed incorrect information, such as phone numbers Ive and never uses, names and addresses. I have already verified who I say I am. I am currently in the process of obtaining a new social security card because the one that I have is still being used by a person and businesses. I even had a XXXX  XXXX XXXX Account opened up in my name that I never authorized or gave consent to do so. If a email wasnt sent to me I still wouldnt of known till this day that my personal information is still being used. XXXX is the most recent case of identity theft i am currently facing along with XXXX, collections, derogatory marks and late payments on my credit profile which is all being disputing with all 3 bureaus. 
Ive also emailed the CEO of XXXX XXXX Asking for removal or some type of validation of debt showing my original signature. Which their is none. 
Upon speaking to the XXXX XXXX XXXX if the original creditor and they apparently sold these loans attached to my credit profile to XXXX. From doing extensive research. XXXX XXXX launched XXXX, the two companies function as distinct and separate entities. From recently checking my credit report Ive notice there are a bunch of late payments that I am unaware of.I never took any loan from XXXX and the loans reporting on my credit profile were not " solely '' used for qualified education expenses. The loans do not fall into the purview of 11 U.S.C. 523 ( a ) ( 8 ) ( B ), and therefore they do not fit the definition of 'non-dischargeable. 
I know that these loans that is reporting on my credit is complete fraud and they took advantage of me, as well as facing issues with my identity. I Never authorized nor gave written consent to XXXX XXXX to sell any debt to XXXX, causing me to deal with this hardship along with everything else that I am fighting. Although XXXX XXXX launched XXXX, the two companies function as distinct and separate entities. I am demanding infallible proof that I the alleged consumer does indeed owe this alleged debt. As of right now, XXXX is improperly trying to collect on an invalidated debt pursuant to 15 US Code 1692g ( a ) ( 4 ). Additionally, pursuant to 15 US Code 1692g ( c ), I the consumer has never admitted liability to any debt that XXXX is alleging that the consumer owes. Additionally, XXXX is in violation pursuant to 15 US Code 1692g ( a ) ( 5 ) because XXXX is not the original creditor. How did the XXXX acquire this alleged loan? 
Pursuant to 15 US Code 1611 ( 1 ), XXXX  must have solid proof that the consumer is the actual " borrower '' How can the consumer owe XXXX anything if I am a victim of Identity Theft and also know that XXXX XXXX and XXXX are two different companies. I am requesting verifiable of an original Consumer Contract with my signature on it, according to the law FCRA 609 ( a ) ( 1 ) ( A ). Since XXXX is acting as a 3rd party debt collector, this does not appear to be accurate. 

Please see attachments

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