Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, am filing this complaint towards XXXX XXXX XXXX for violating my FCRA RIGHTS. REFUSED TO PROVIDE INFORMATION ON THIS FRAUD ACCOUNT. On XX/XX/XXXX I noticed this account still being reported on my credit file. I informed EXPERIAN XX/XX/XXXX about the circumstances surrounding my identity theft that occured on XX/XX/XXXX. My purse was stolen containing my CA DRIVERS license and other personal identifying information such a as my social security card, My cellular device and all my debit cards, as my wallet was in my purse. SOMEONE STOLD MY IDENTITY AND OPENED A AUTO LOAN. I FILED A COMPLAINT WITH CA STATE ATTORNEY GENERAL OFFICE AND THEY RECEIVED A REPLY FROM XXXX XXXX XXXX on XX/XX/XXXX and forwarded the response to me. XXXX XXXX XXXX claims I resided at XXXX XXXX XXXX XXXX in XXXX XXXX, CA at time the credit application was processed. Yet I have NEVER LIVED AT THE ADDRESS NOR HAVE I EVER HAD THE PHONE NUMBER LISTED ON THE APPLICATION WHICH IS EXTREMELY BLURRY. THE SIGNATURES PROVIDED ON THE APP DEFINITELY DOES NOT MATCH MINE. And all this information was verified with customer service rep XXXX on XX/XX/XXXX at EXPERIAN FRAUD DEPT.THEN XXXX XXXX HAD NO SUPPORTING DOCUMENTS PROVING THEIR CLAIM NO PROOF OF RESIDENCY NOT EVEN PROOF OF INCOME. I DO NOT CLAIM OWNERSHIP TO THIS ACCOUNT. ME AND MY XXXX CHILDREN RESIDED AT XXXX SHELTER FOR THE HOMELESS IN XXXX, CA AND THE INTAKE DATE WAS XX/XX/XXXX OF XXXX TILL XX/XX/XXXX OF XXXX. ME AND MY FAMILY THEN PROCEEDED TO RESIDE AT THE XXXX XXXX XXXX XXXX XXXX IN XXXX, CALIFORNIA ON XX/XX/XXXX OF XXXX. WHICH IS NOT THE CITY XXXX AT ALL. I EVEN FILED A COMPLAINT XXXX XXXX XXXX ID # XXXX. ON XX/XX/XXXX OF XXXX THE EMPLOYEE FOR XXXX XXXX XXXX responded back with the response from XXXX XXXX XXXX indicating that they're preliminary research indicates that I am NOT and have NOT been a customer with them it also indicated that they had no record of ME in their account base. Please review the attached verification documents from my proof of residence when this account was open fraudulently using a inaccurate address inaccurate phone number.etc. I filed a dispute over the phone with XXXX at EXPERIAN whom contacted me directly by phone to discuss my credit file and inaccuracies to information I may have. We then proceeded to contact this company on a three-way phone call XXXX from EXPERIAN was listening to both sides of this situation. We spoke with XXXX at XXXX XXXXXXXX XXXX who indicated that he did not have much information to provide me which is a violation to my rights as I have rights to information being used against me. I NEED XXXX XXXX XXXX AND EXPERIAN TO RESEARCH MY FACTS. SEE THAT A FRAUD ALERT WAS PLACED ON MY EXPERIAN CREDIT FILE XX/XX/XXXX. WHEN THIS THEFT OCCURED. I ALSO HAVE A IDENTITY THEFT REPORT IN DETAIL AND A POLICE REPORT REPORT # XXXX. AND THESE TWO REQUIREMENTS WERE REQUESTED FROM EXPERIAN TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I HAVE SENT THIS SUPPORTING DOCUMENTS CERTIFIED PRIORITY MAIL WITH RETURN RECEIPT PLEASE REVIEW PICTURES AS EVIDENCE. ALSO ATTACHED IS MY POLICE REPORT. PLEASE REMOVE THIS {$9900.00} DEBT ON THE CLOSED CHARGED OFF FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT FILE

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