Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Complaint:
Hello, I am in collections over two different fraudulent charges I did not make. 
I have a charge from XXXX which is in collections at XXXX XXXX over an XXXX XXXX for {$120.00}. 
I have a charge from XXXX which is in collections for {$260.00}. 

Regarding the XXXX XXXX XXXX XXXX I have made over 30+ attempts via phone to both companies to remove this charge from my name due to it being fraudulent. I was notified of this charge in XXXX via phone from XXXX XXXX, and I have been trying to fight it ever since. I have done multiple 3 way calls between myself, XXXX and XXXX XXXX. It has pretty much not gotten anywhere, and its mainly because XXXX XXXX wont do their part. XXXX has already realized I did not make the charge for the XXXX  XXXX, so they removed it from my account and placed it on the correct persons account months ago. But because XXXX sent me to collections, they stated they needed XXXX XXXX to remove my name from collections by sending the charge back to XXXX, so that XXXX can send XXXX XXXX back the correct person to put in collections. XXXX XXXX never allows me to speak to a manager or supervisor when I ask, but on XX/XX/XXXX when I did another 3 way call with both companies and myself, they stated the XXXX XXXX XXXX ( XXXX XXXX ) would be doing what XXXX asked and sending the collection back to them. I followed up with XXXX on XX/XX/XXXX to find out if XXXX XXXX did their part, and they stated XXXX XXXX has still not removed my name and sent it back to XXXX. I attempted to reach out to XXXX XXXX again on XX/XX/XXXX, but the number I have been speaking to them on is now out of service. The contact information that XXXX XXXX has on file is not any of my correct information, it is someone elses, the only piece of information they have linking myself to the fraudulent charge is my name. The address, phone number, and email they have on file for me is not correct. I have never used the phone number, email address or home address they have associated with my name. 

Regarding the XXXX  charge, I have contacted XXXX  and they required me to fill out a fraud form since I did not make the purchase but I am in collections over it, I have not received anything back from them. I have been trying to deal with both of these fraudulent charges, but have been trying harder to remove the XXXX XXXX  charge since I found out about that first. I did not even receive any information about the XXXX  charge, the only reason I found out about that one was when I called the credit bureau over the XXXX  charge, and the credit bureau stated they seen the XXXX  charge too. So both of these fraudulent charges were not associated with my email address, phone number, or home address. The only thing linking me to both of these fraudulent charges is my name. 

Neither of these purchases were made on any of my credit cards or debit cards. Neither of these purchases used any of my contact information besides my name. The purchases are not linked to my home address, phone number, or email. Anyone can use my name to make a purchase.

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