Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the FCRA, everything has to be 100 % accurate on my credit report The credit bureau stated my accounts was properly investigated but it can not be possible if the XXXX XXXX XXXX account IS NOT MINE and can not be validate. The address and phone number associated with the XXXX account does not belong to me and they are not associated with any of the accounts with the 3 credit bureaus. Not Experian, XXXX or XXXX. 

This is grounds for removal of the XXXX account. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
Mail a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 

I have previously requested Experian perform the actions above. They have only provided me with a generic description of their procedure. 
Experian has not provided me with the Name, address, and telephone number of each person contacted regarding this alleged account. 
Experian has not mailed a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I am requesting a true and transparent re-investigation along with Experian 's method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

I reviewed my credit report for Experian. I saw an account for XXXX. THIS ACCOUNT IS NOT MINE. 
I called the company named XXXX XXXX XXXX to try to rectify the issue. They provided an account number associatedwith the debt XXXX. They provided an address associated with the account at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never been to, lived in, or had a valid ID or driver 's license for the state of Tennessee. The address on file with XXXX is not associated with my Experian credit report nor with the accountsfor the the other 2 credit reporting agencies ( XXXX and XXXX ). I have never requested my mail be forwarded to that adress cia USPS. According to XXXX, the address is for a car dealership named " XXXX ''. One can not live at a business establishment. XXXX also has a phone number that I am not and have never been associated with. If Experian can not verify the accuracy of the information or validate the debt, the information should be deleted from my credit report. 
I have made several phone calls to Experian and have sent several certified letters informing the representatives that I have been a victim of identity theft multiple times. I have explained multiole times that I have filed an identity theft report with the Federal Trade Commission in early XXXX. I have a Freeze on my credit file with Experian as well as XXXX and XXXX. The XXXX account is NOT MINE. XXXX and XXXX has already deleted the XXXX account. All 3 credit bureaus should have the same information.

Company response to consumer: In progress