Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In reviewing my credit report, I found incorrect, inaccurate information that does not belong to me that is hurting my ability to get credit.

I am disputing the manner in which this account is reporting. Under section 1681j of the FCRA, investigate this account free of charge. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

1 ) The following fraudulent account must be removed from my credit report.

Account name : XXXX XXXX XXXX XXXX Account number : # Account # XXXX Fraudulent balance : {$0.00} This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, late payments. 
This account is an identity theft and was opened without my authorization. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

Please immediately remove this account from my credit report as required by the Fair Credit Reporting Act.

Please immediately remove any hard inquiries from this account as I have never authorized it. 




XXXX ) Account name : Dept Of EducationXXXX Account number : XXXX Balance : {$18000.00} This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, late payments.

This account is an identity theft and was opened without my authorization.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

Please immediately remove this account from my credit report as required by the Fair Credit Reporting Act.

Please immediately remove any hard inquiries from this account as I have never authorized it.

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete.

After the investigation is complete, please remove the comments in dispute by consumer.

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