Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX cited with account ( XXXX XXXX XXXX ) and dating from the year XXXX is claimed as to have been associated with me and this is a matter upon which I have no knowledge nor any record and a matter upon which a mistake of identity seems to have been committed whereby I have been erroneously discharged with incurring such debt as would be that I maintain no hand nor any dealings nor any such relation in any manner or form whatsoever to such debt as is hereby claimed to have been charged, spent, settled, owed or in any other manner related to me in all actuality. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX  is present whereby the charge is made by charging me with amount of {$1900.00} as claimed to be amount charged and thereby owed in debt and this amount is wholly inaccurate in actuality. The card in question is card which I had, indeed, held through the bank and by the bank. It is card which, in all actuality, I had not properly occasioned to have used in any manner corresponding to significance. When I had used the card, I used it to make purchases which my records shall attest to be purchases amounting in total sum of these to a total amount not exceeding some XXXX dollars ( and thereabouts ). Further to this, such sums as I have detailed are also sums which I had paid by return ( and in full ). Therefore, I wish it to be stated expressly that such sums ( as sums charged of me in actuality ) are and remain sums that have been, to my best knowledge fully returned as to be paid in full. But such sums which actually exist as to have been recorded in charges and returns remain sums unrelated to the claim of {$1900.00} and which remain amounts remote to such claim ( the actual sums are sums amounting in total tabulation, to a total not exceeding by any ways XXXX XXXX XXXX  or so in total tabulation ). Such claim that I maintain a debt outstanding in the amount of {$1900.00} is and remains as to be unrecognizable to the degree that I question if unauthorized spending is to be cited and found as to have occurred or otherwise an error has been committed. Such sum is not to be seen reflected by spending records nor in records at all. This sum is amount which I regard to be unrelated to amount as ever charged or ever used or ever spent or in any way ever expended and this in all actuality bearing by record. 

XXXX. I with to expressly state that returns as paid in full have been recorded by receipts as to exhibit that those charges which were made by use of the card in question are neither related to the sum claimed as to be outstanding and also bear as to be paid in the sums of record and actual fact. Note therefore that such charges as hereby we find to be cited are charges involving far lesser sums than this the claimed charge and therefore sum of debt ( {$1900.00} ) as this sum is being hereby charged erroneously or by malicious conduct of a third party and charged of me by XXXX XXXX XXXX who claim whatever sum had actually been charged just as well as to be sum still unpaid by myself and both of these are claims made in error as such. The case of the presently concerned debt, we hold as to be debt of no credibility nor basis in hold to its merits and we hold it thus to be claim with no basis nor any grounds that it exist as to be claimed debt outstanding nor that the furtherance of it as claim be made ( as it has been made in all actuality ). 

3 ) The above detailed XXXX XXXX XXXX derogatory claim has been advanced despite the same XXXX XXXX XXXX citing as to render our accounts held by and in this bank as to be in accounts and credit in " good standing/never late '' and this in relation to both the bank and to credit cards of the bank 's issuance and with supporting statements provisioned in this regard ( as to stand in contrast to the lack in and of any citable correct and accurate statements as would support the above detailed derogatory claim as it is nevertheless made and advanced ). 

XXXX ) XXXX XXXX makes claim of debt to XXXX in the amount of {$2700.00}. We concede an amount to be outstanding to XXXX for cell phone bills but add here that such amount is not amount as such is claimed nor remotely approaching such as is claimed ( in actually the bill in question is bill of a XXXX or so XXXX  and also is a bill which remained unpaid in such amount as given here to be XXXX XXXX or thereabouts to best recollection owing to the fact that the payment itself had been offered and made to XXXX who had refused repeatedly for reasons unknown to accept such payment as had been offered by such ordinary means as several previously paid sums had in all actuality been paid and as such been accepted also and this involving the same XXXX XXXX as are currently at disputation. Finally, as we regard by record existent, that such payment as was owed was also attempted as to be paid by XXXX XXXX who attempted to pay the outstanding sum in cash at a XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and this attempt resulted in such sum of cash being rejected as to be a transaction deemed impossible by employees at the XXXX store who cited no reason and whose rejection of such sums in payment remain also as to be unknown to us and therefore as to be cited by us in explanation of the same sums remaining outstanding ( but not, we note, in conceding by any manner the larger sum of {$2700.00} as these shall not be regarded accurate as to be charged in any manner whatsoever nor regarded as to be remotely related to that actual sum of a XXXX XXXX or so which we concede to be sum owed as to remain outstanding but we add to this citation as to remain in such state owing to those reasons hereby cited as to have been obstructive to due payment being made as it is seen as to not be payment which had been accepted in receipt of it ). 

We have disputed these above as they have been detailed but these are claims which have nevertheless persisted and persisted nonetheless as to warrant this complaint as to be complaint issued forth to this Government Department in hopes that due fairness and due accuracy be instituted and observed in and of all these by the companies at concern. Failing such action, we shall seek legal action as to bring us to attainment fully of such remedial measures as we find these to be measures fully and properly due.

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 non-monetary relief