Consumer complaint received 2022-12-20
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:
I am told not to include any personal information such as my name address Social Security number etc. so I will provide all of that on the letters to the collection agencies and to the credit companies. I am writing in reference to not only all three of the credit reporting agencies XXXX XXXX, XXXX, and the most rude and ignorant one Experian. I am also writing in reference to portfolio recovery services and the original creditor is XXXX  XXXX who sold the debt to XXXX XXXX XXXX 
Not only have I been disputing this, battling this, and also have done a report with your company as well before but I have been dealing with Experian and XXXX for the past XXXX years trying to get help and get these things resolved it off of my credit report. XXXX XXXX XXXX will not respond and does not listen or adhere to the notarized statement I sent them letting them know that I did not open up this fraudulent account in XXXX nor did I default on this fraudulent account that was sold to them in XXXX. This fraudulent account is now twice on all of my credit reports under XXXX XXXX XXXX original creditor XXXX XXXX. I will listed below I am done going through this I will not keep disputing this and sending them the proper information they request when they know that this is fraudulent and I have done everything Im supposed to do not only with the credit companies But also with the original grantor XXXX XXXX as well as the buying debt collector XXXX XXXX XXXX 
So now Im doing everything I have to including hiring the attorney and I will be collecting on these companies if they do not take the proper action to resolve this this is very unfair in XXXX to XXXX I was in XXXX in a state XXXX that is on paper and that I do not have to provide that information based on my HIPAA laws. However I have no problem providing the information because I have nothing to hide and it is proof that I did not open up the original accounts by XXXX  XXXX in XXXX. Not only are the accounts being reported on my credit report but they are also being reported in accurately as open which they have been closed obviously and bought out by the debt collector portfolio recovery services. 

So like I said Experian and XXXX still have these XXXX negative and fraudulent accounts on the credit reports and will not remove them. This month XX/XX/XXXX I sent the notarized statements and letters stating that I was indeed in XXXX when these false accounts were opened and that I was disputing this information once again and that I was reporting this not only to the consumer financial protection bureau but also the federal trade commission and US postal inspection service. Im done dealing with this and would like something done immediately not only with portfolio recovery services but with XXXX and Experian I am complaining on these companies right here. 

On Experian report XXXX XXXX XXXX  XXXX number XXXX is beginning only shows beginning Account # -Original creditor XXXX XXXX they open XX/XX/XXXX which is a lie the original debt was opened in XXXX by XXXX XXXX XXXX at an address that I had never lived that. It says that the balance is {$650.00} that the terms are XXXX month and that this is seriously past due assigned to attorney and collection agency number XXXX this information is an accurate the original opening was XXXX the date open by XXXX XXXX services was XX/XX/XXXX of XXXX Also on Experian the report XXXX XXXX XXXX account number XXXX Original creditor XXXX XXXX account type that buyer date open XX/XX/XXXX that must be the date XXXX XXXX XXXX bought it because this debt was also open in XXXX by a fraudulent person at an address that I have never lived at. It is also reporting a balance of {$830.00} Saying that the terms are XXXX month and nothing else so obviously it is being reported in accurately as well because this account is not opened and this is a fraudulent account and this is the second item XXXX XXXX XXXX has on my Experian credit report and they will not get rid of it or help me and I recently sent them everything they needed to know XXXX Credit Report No one XXXX report this is horrible because it says no account number it just says portfolio recovery a original creditor XXXX XXXX XXXX account type open account right there that is a lie this account is not open the date opened it says XX/XX/XXXX balance is {$830.00} and responsibility individual account collection account this is reported in accurately this is a fraudulent account opened up by XXXX XXXX in XXXX at an address that I have never lived that. And it is also being reported as open which is a lie. This is on XXXX this is the first XXXX XXXX  account with no account number it just says XXXX XXXX Account on XXXX is also by XXXX XXXX a with the original creditor is XXXX XXXX XXXX  XXXX with no account number it has the account number aS Capit this also says account type is open accounts which is an accurate and a lie because this account could not be open if it was bought from capital XXXX by a debt collector. It says date open XX/XX/XXXX with a balance of {$650.00} individual account collection account. This is in accurate and this fraud. It has been open fraudulently via XXXX XXXX XXXX in XXXX by a fraudulent person at an address that I never lived. I have also mentioned this numerous times and recently sent XXXX a report that was notarized letting them know that I was in XXXX from XXXX to XXXX which violates my XXXX laws by even telling them that and that I want this removed immediately I have also reached out to portfolio recovery services numerous times I would also like to know the XXXX XXXX once they had received my information and took both of these portfolio recovery associates and accounts off of my XXXX XXXX credit report immediately and I think that Experian and XXXX should immediately do the same before I further my investigation. 

I have provided all of the information needed I have reached out to XXXX XXXX XXXXXXXX I have reached out to XXXX XXXX  and I have reached out to XXXX and Experian regarding these fraudulent and in accurately reported accounts on my consumer credit reports and it has been going on for XXXX years and they are not providing me with any help or any feedback and they know that these are fraudulent and I am so not OK with this and I need you to immediately do something not only will XXXX XXXX XXXX  not do anything and they keep validating the stats but so will Experian and XXXX not do anything this is not fair. 

I also Im stating that I do not what I repeat I do not want any security alerts or security freezes on any of my credit reports. It is now XXXX I have been fighting with that since I learned of it in XXXX when I came home from XXXX and started receiving letters at my address which I have been out for the past 10 years. I have been at The address that I am not allowed to say for the past 10 years and I have also told Experian and XXXX that. And XXXX XXXX XXXX the original address by which the original XXXX  credit grantor issued these credit to was never my address or never known address for me and was around the time when I was in rehab for XXXX XXXX years. 

I learned of this fraudulent activity when I came home and started receiving mail at my current address that I had had all of my life. I am not going to keep repeating myself I want something done about this immediately I will be filing separate reports with separate companies and I am letting you know that I will not stop until this is revolved I have done everything youve said and not put any personal information in this letter as well as included every date amount an action that was taken by myself and my company. I also have let you know with the companies have done and what they have not done and that I have reached out to them on numerous times. Ive also watched diligently what I put in this letter so please please take every information seriously and submit this as soon as possible because I know I have followed every rule. I do not know how you can correlate these fraudulent accounts to me if I do not put my personal information in this letter but Im following the rules and immediately went to Experian and XXXX and XXXX XXXX XXXX XXXXo know that this is being handled and we are not stopping thank you so much.

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