Consumer complaint received 2024-10-30 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: OH

Complaint narrative:
Fraudulent collection accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2500.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$460.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$2200.00} Unauthorized inquiries XXXX XXXX XXXX  XX/XX/XXXX My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open a personal Loan and never pay it back but yet I have other credit cards that I didnt not touch at all? Also the unbelievable amount of inquiries shows someone just trying to make accounts to steal what they can. Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

I ask everything be immediately deleted upon investigation until investigation is complete Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law.

I Also was in XXXX  during the time of all these fraudulent charges I will upload that proof as well as ID utility bill and identity theft report and ftc Thank you for your immediate attention to this matter.

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