Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Date of Birth : XXXX Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Account Reporting Kikoff Lending LLC ( Account # XXXX ) Dear Experian Dispute Department, I am writing to dispute the inaccurate and unverifiable information regarding the Kikoff Lending LLC account currently listed on my credit report. The reporting of this account violates several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the account be permanently deleted due to errors and lack of proper verification. 



Upon review of my credit report, I have noticed the following issues with the XXXX XXXX XXXX account : The account shows a charge-off status with {$320.00} written off and {$120.00} past due as of XX/XX/XXXX. 

The balance has been reported inconsistently and is in conflict with proper reporting standards. 

The last payment date is shown as XX/XX/XXXX, but the account status was updated as charged off in XX/XX/XXXX, raising concerns about the accuracy of the information provided. 



I am disputing this account based on the following FCRA violations : Applicable FCRA Sections : 1. Section 611 ( 15 U.S.C. 1681i ) Dispute Process The credit bureau is required to conduct a reasonable investigation of any disputed item. If the furnisher of this account ( XXXX XXXX XXXX ) can not verify the accuracy of this account within 30 days, the account must be permanently deleted from my credit file. 

XXXX. Section 623 ( 15 U.S.C. 1681s-2 ) Responsibilities XXXX XXXX XXXX XXXX XXXX has XXXX legal obligation to report accurate and up-to-date information. The inconsistent reporting of the balance, past due amount, and charge-off dates is a clear violation of this section. If XXXX XXXX XXXX continues to report unverifiable or inaccurate data, this account should be removed. 

XXXX. Section 609 ( 15 U.S.C. 1681g ) Right to Request Verification I hereby request that Experian provide me with complete documentation from XXXX XXXX XXXX, including : The original signed contract for this account. 

A complete payment history showing how the balance and past due amounts were calculated. 

Proof that this account was lawfully charged off. 

XXXX. Section 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information The reporting of a charge-off or past due balance must be accurate and verifiable. Any failure to provide sufficient documentation to support the reported status constitutes grounds for immediate deletion of the account. 



Requested Resolution : Since XXXX XXXX XXXX has failed to report this account accurately, and there are discrepancies in the balance and charge-off dates, I am requesting that Experian : XXXX. Immediately investigate this account. 

XXXX. Request verification from XXXX XXXX XXXX. 

XXXX. Permanently delete the account if verification can not be provided within XXXX  days. 



Conclusion : As a consumer, I have the right to ensure that only accurate, complete, and verifiable information is listed on my credit report. If Experian or XXXX XXXX XXXX can not provide sufficient documentation to support this account, it must be deleted from my credit report in compliance with the FCRA. 



Please update my credit report accordingly and provide a written response confirming your actions regarding this dispute. 



Thank you for your prompt attention to this matter. 



Sincerely, Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : XXXX Date of Birth : XXXX Incident Description : I am filing this report to document an instance of identity theft involving the fraudulent opening of an account at XXXX XXXX XXXX. This account was opened without my knowledge or consent, and I did not authorize any transactions or the opening of the account. 



Here are the details of the fraudulent account : Creditor Name : Kikoff Lending LLC Account Type : Charge Card Date Account Opened : XX/XX/XXXX Account Number : XXXX ( Account number provided for investigative purposes ) Account Status : Closed, with a balance charged off. 

Amount Charged Off : {$320.00} Past Due Amount : {$120.00} as of XX/XX/XXXX Credit Limit : {$2500.00} Last Payment Date : November 29, 2023 Monthly Payment : {$120.00} past due ( as of XX/XX/XXXX ) Highest Balance : {$320.00} Credit Usage XXXX XXXX XXXX Account Responsibility : Individual ( I had no involvement in this account ). 



I discovered this fraudulent account when I reviewed my consumer credit report. Upon investigation, I learned that XXXX XXXX XXXX reported the account as being opened in my name without my permission. I have never applied for credit with XXXX XXXX XXXX nor provided any authorization for the account to be opened. 



This fraudulent activity is causing harm to my credit score and has led to additional fraudulent inquiries and collections being reported on my credit file. I am requesting that the police investigate this incident as identity theft, as this account was opened using my personal information without my knowledge or consent.

I have attached a copy of my identity theft report, as well as a copy of my consumer FICO credit report showing the fraudulent account information. I also request that the XXXX Police Department assist in identifying the perpetrator ( XXXX ) responsible for this crime and take any necessary actions to stop further fraudulent activities. 



Additional Information : I have already contacted XXXX XXXX XXXX to dispute the account, and they have been notified of the fraud. I have also submitted an identity theft report with the appropriate agencies. 

I believe that my personal information XXXX have been compromised due to previous breaches or theft. 



I am requesting that this case be filed under Identity Theft, and I am willing to cooperate fully with any investigation. Please provide me with a XXXX XXXX and any further instructions for steps I need to take in resolving this issue. 



Attached Documents : Copy of Identity Theft Report Copy of Consumer FICO Credit Report Any other documents relevant to the fraudulent account Sincerely,

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