Consumer complaint received 2024-06-13 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:
I disagree with the accounts listed below which still appears on my credit report, even after your investigations. I would like these items immediately re investigated. The inaccuracies are highly injurious to my credit score.

1 ) The following accounts are the result of identity theft and should be blocked, The following fraudulent account must be removed from my credit report. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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 ) The following fraudulent account must be removed from my credit report. 
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. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation.

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