Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX XXXX XXXX listed on my credit file, immediately I contacted XXXX XXXX XXXX  to report fraud. When I call in XXXX XXXX XXXX  they can not verify my address or my name as I write it only my SSN and not my correct address or date of birth. Recently I provided this information to them for to dispute debt. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only when I call with the account belongs to me, Ive sent out multiple letters with no response from the company. I get transferred to multiple departments with no resolution. I sent a police report to company with no debt validation or due diligence on their end. I contacted them with all of my info including copies of my ID and asked that they provide the information they were given this way I can take to the police department. Today I called in and they said I had to pay debt even though I completed the fraud packet and was able to provide police report, fraud affidavit and all documents they requested. 

I also let them knows on my credit file there were no payments made on this account at all. They were also able to verify no payments were made on this account and no information for my identification. I also asked why they didnt follow my credit file and bypassed credit freeze. All of new credit must call me via phone to verify I am the person requesting credit. Representative stated no record in file of FCRA verification requirement. 

Please remove from my credit file. I refuse to pay a debt that doesnt belong to me. This is very stressful. I continuously am being targeted and this company is not following FCRA fraud requirements. 

XXXX XXXX XXXXXXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My XXXX shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.

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