Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
Dear CFPB This is my Complaint against Experian Credit Bureau where I dispute and demand to remove incorrect and derogatory reports and validate all information based on material evidence. 
I am a victim of XXXX XXXX XXXX XXXX fraudulent lending " and " reporting '' practices some of which appeared on my report as delinquent or existing loans. In order to report mortgage or loan accounts to be included in my credit history, it must be reported by my lender. 
NONE of the Companies whose names appear on my credit report are not my lenders and have absolutely no relationship to my alleged Loans. 
1. XXXX XXXX XXXX XXXX XXXX XXXX Partial Account XXXX I demand Experian to provide me material evidence and documents, particularly a copy of the account receivable from a general ledger based on which they determined that XXXX XXXX XXXX XXXX XXXX was my lender if my alleged loan was originated and signed with another Company, XXXX XXXX XXXXXXXX on XX/XX/XXXX. XXXX specifically denied to be a Lender. Please provide me copies of all documents presented by XXXX or any other party which can verify XXXX relationship to my property. 

According to XX/XX/XXXX Status, this account was transferred to another party. Please provide me all documents based on which Experian determined that here was a transfer around XX/XX/XXXX, and from whom to whom. 

Please provide me name and contact information of XXXX XXXX XXXX XXXX XXXX authorized employee who submitted these documents to Experian. 

In the meanwhile, please remove this entry from my credit history as false, derogatory and deceptive. 

2. XXXX XXXX XXXX, XXXX Partial Account XXXX. 
I demand Experian to provide me material evidence and documents, particularly a copy of the account receivable from a general ledger based on which they determined that XXXX XXXX XXXX XXXX XXXX has any relationship to my alleged loan. Please provide me name and contact information of XXXX XXXX XXXX, XXXX authorized employee who submitted these documents to Experian. 
In the meanwhile, please remove this entry this entry from my credit history as false, derogatory and deceptive. 

3. XXXX XXXX XXXX Partial Account XXXX. 
I demand Experian to provide me material evidence and documents, particularly a copy of the account receivable from a general ledger based on which they determined that XXXX XXXX or XXXX XXXX ever had any relationship to my alleged loan. Please provide me name and contact information of XXXX XXXX XXXXauthorized employee who submitted these documents to Experian. 
In the meanwhile, please remove this entry as false, derogatory and deceptive. 

4. XXXX  XXXX XXXX XXXX XXXX XXXX Please provide me material evidence and all documents, particularly a copy of the account receivable from a general ledger submitted to Experian by XXXX XXXXXXXX XXXX which can prove XXXX ownership of these accounts ; and proof that this account was charged off. 
In the meanwhile, please remove this entry as false, derogatory and deceptive. 


5. XXXX  XXXX XXXX, partial account XXXX Please provide me material evidence and all documents, particularly a copy of the account receivable from a general ledger submitted to Experian by XXXX XXXX  XXXX which can prove XXXX ownership of these accounts ; and proof that this account was charged off. 
In the meanwhile, please remove this entry as false, derogatory and deceptive. 

6. XXXX partial account XXXX Please provide me material evidence and all documents, particularly a copy of the account receivable from a general ledger submitted to Experian by XXXX which can prove XXXX ownership of these accounts ; and proof that this account was charged off. 
In the meanwhile, please remove this entry as false, derogatory and deceptive. 

7. XXXX XXXX XXXX, partial account XXXX Please provide me material evidence and all documents, particularly a copy of the account receivable from a general ledger submitted to Experian by XXXX which can prove XXXX XXXX ownership of these accounts ; and proof that this account was charged off. 
In the meanwhile, please remove this entry as false, derogatory and deceptive.

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