Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
EXPERIAN FRAUDXX/XX/XXXXXXXX XXXX USED MY INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECIEVED ANY EDUCATION BENIFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU EXPERIAN IN VIOLATION OF THE FARIDEBT CREDIT REPORTING ACT. XXXX IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR 2000. I HAVE MADE NUMEROUSE REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRAMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. XXXX IS REPORTING FALSE INFORMATION THE EXPERIAN REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL. I HAVE PLACED EXPERIAN ON NOTICE AND REQUESTED NUMEROUSE DISPUTES OF THIS FRAUDELENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND EXPERIAN HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. EXPERIAN CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACOUNT IS TIME BARRED UNDER FEDERAL LAW. EXPERIAN HAS ALSO ALLOWED INTERNAL TAMPERING BY ITS EMPLOYEE INTO MY CREDIT FILE WITHOUT MY CONSENT. ON MULTIPLE OCCASSIONS EXPERIAN EMPLOYEE HAS UNLOCKED MY CREDIT FILE AFTER I LOCKED IT. THEY HAVE CONTINUED TO PLACE SECURITY FREEZE ACTION ON MY ACCOUNT WITHOUT MY CONSENT, THEY HAVE PLACED LENDER SERVING REMARKS IN MY CREDIT FILE UNDER CONSUMER STATEMENT OF WHICH I DID NOT AUTHORIZE.FURHTER EXPERIAN HAS FAILED TO SCORE MY CREDIT FILE ACURATELY AS IT IS BEING REPORTED ON OTHER THIRD PARTY 3 BUREAU CREDIT FILES. I HAVE PAID FOR 3 BUREAUS CREDIT REPORTS THAT HAVE EXPERIAN SCORE REPORTING SIGNIFICANTLY HIGHER SCORE THEN WHAT IS BEING REFLECTED IN MY PAID SUBCRIPTION FROM EXPERIAN CREDIT BUREAU. THEIR ACTION HAVE RACIAL UNDER TONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRADULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW. I REQUEST AN INVESTIGATION INTO THESE ACTIONS.

HERE IS A LIST OF ALL THE PROBLEMS I HAVE SUFFERED AT THE HANDS OF THIS CREDIT REPORTING AGENCY, AND MORE..

Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries from unknown sources ) THANK YOU XXXX XXXX

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