Consumer complaint received 2025-01-15 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: MI

Complaint narrative:
I am submitting this complaint to formally report fraudulent and inaccurate accounts that have been erroneously reported on my credit file by the major credit reporting XXXX, Experian, and XXXX. These accounts were opened fraudulently without my knowledge or consent, and I do not recognize or have any association with them. 

I contacted the creditors associated with these accounts more than 30 days ago to request copies of all contracts, signatures, and documentation they have regarding these accounts. Despite my repeated requests via phone, email, and mail, I have received no response. The credit reporting agencies have similarly failed to take appropriate action to investigate and resolve my disputes. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Details of Fraudulent Accounts and Violations : The following accounts are fraudulent, contain discrepancies, or have been reported inaccurately without my consent : XXXX Account Number : XXXX Issues : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : XXXX account with balance discrepancies, open date variations, and lack of validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX XXXX Account Number : XXXX Issues : High credit amount discrepancies, conflicting open dates, and failure to validate across bureaus. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Monthly payment discrepancies, differing open dates, and lack of proper validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account XXXX : XXXX Issues : Balance discrepancies, varying account details, and failure to validate. 
Violations : FCRA 607 ( b ), 611 ( a ) XXXX XXXX  Account Number : XXXX Issues : Charged-off account with discrepancies in high credit amount, open dates, and last reported dates. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681g ( e ) Additional Issues : Unauthorized Credit Inquiries : Inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others were unauthorized and must be removed immediately. 
Incorrect Names and Addresses : Fraudulent names such as XXXX XXXX XXXX and incorrect addresses like XXXX XXXX XXXX XXXX, MI XXXX appearing on my reports.

Violations of Federal and State Laws : The credit bureaus have committed the following violations : FCRA 607 ( b ) : Failure to ensure maximum accuracy in reporting.

FCRA 611 ( a ) : Failure to investigate and resolve disputes within 30 days.

15 U.S.C. 1692g : Failure of creditors to validate debts within five days of reporting.

Gramm-Leach-Bliley Act : Failure to safeguard consumer data.

Michigan Compiled Laws 445.65 to 445.67 : Criminal identity theft violations.

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