Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am currently writing XXXX reference to my Experian XXXX and XXXX credit reporting agencies along with the companies that are fraudulently and inaccurately reporting to these Companies! After careful review of all reports and I formation on my reports I am filing this report and a FTC REPORT AS WELL! 

I Ive reached out to each company I have listed and tried to get any information to verify these are my accounts or associated with me properly and they could not provide! 

The accounts that XXXX concerned with and have been fraudulently opened and or reported and are not MINE OR ANY KNOWLEDGE OF ARE AS FOLLOWS Experian CLOSED ACCOUNTS XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX CLOSED ACCOUNT CHARGED OFF {$810.00} UPDATE XX/XX/XXXX! 
Balance XXXX UPDATED XX/XX/XXXX ( which is illegal To monthly access and report inaccurate and fraudulent information on my report with I ok t my XXXX ) THIS ACCOUNT WAS OPENED FRAUDULENTLY AND BOT BY ME! I want it removed immediately as it is illegal and adversely affecting my credit report! 

ACCOUNT 2 XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XXXX XXXX CLOSED XXXX WRITTEN OFF STATUS UPDATED XX/XX/XXXX BALANCE XXXX ( which is an accurate and fraudulent as well because how is there a written off amount if the balance is XXXX make it makes sense ) BALance UPDATED XX/XX/XXXX ACCOUNT IS ALSO OPENED FRAUDULENTLY NOT BY ME OR TO MY KNOWLEDGE AND INWANT IT REMOVED IMMEDIATLY AS IT IS ILLEGAL AND FRAUD AND NEGATIVELY AFFECTING MY PERSONAL CREDIT PROFILE! 

COLLECTION ACCOUNTS ON EXPERIAN FRAUD AND ILLEGAL XXXXXXXX XXXX  XXXX XXXX CREDITOR XXXX ACCOUNT NAME XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX OROGINAL CREDITOR XXXX ( never had and is an insurance company ) ACCOUNT TYPE COLLECTION XX/XX/XXXX STATUS COLLECTION ACCOUNT XXXX past due FRAUD AND NOT MINE ACCOUNT # XXXX XXXX XXXX XXXX XXXX  WITH THE CLOSED ACCOUNT OF XXXX ON SAME REPORT! 

XXXX credit management with an account number XXXX original original creditor XXXX account type debt buyer date opened XX/XX/XXXX status is collection account with {$440.00} past due with the status updated XX/XX/XXXX and a balance updated on XX/XX/XXXX of XXXX, which is illegal because why is my credit report being accessed by fraudulent and invalid company that does not have permission to access my Credit file. 

Those are the accounts that are associated with my experience, my XXXX and my XXXX XXXX credit file. They are all on their on all three and listed the same attaching the files as documentation and I immediately want all of these removed. I do not want to start stating credit reporting laws in my consumer finance protection bureau report, but I will if I have to. it is very dishonorable unethical to these fraudulent accounts and not working with me to get them removed. I have reached out like I said to the original creditors as well as the collection companies of these account accounts and they are not valid and not mine. I have had the same insurance company for 15 years and have not had a XXXX account or a first premier bank card ever in immediately want these removed from my profile and I will not say it again again again.

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