Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against XXXX XXXXEXPERIAN . My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan/but they didn't give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that I might have on my profile. They also asked what the name and address on the ID was, where the card was used or if they could confirm which bank the loan money was transferred to and the name on the bank account. They were unable to provide me with the information I requested and would not help me confirm the identity of the account user. 
I WOULD LIKE THIS TO BE INVESTIGATED IMMEDIATELY. THE INACCURACIES ARE VERY HARMFUL TO MY CREDIT SCORE. XXXX XXXX IS LISTED WITH OVER 90 DAYS OF LATE PAYMENTS. AND THEY UPDATE THE LATE PAYMENTS EVERY MONTH, KNOWING THAT THESE ACCOUNTS ARE FRAUDULENT. They have no documents showing that I applied for the loans from XXXX XXXX and other banks pursuant to the FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VIE SECTION 611, PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I CAN FOLLOW UP. 
PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR FURTHER INVESTIGATION. 
I request that you remove these fraudulently opened accounts from XXXX, XXXX, and Experian. I am attaching a copy of the police report for identity theft. I attach my electric bill from XXXX and my lease from XXXX to date which confirms my address at the time of the events and I still live at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX collections department sends monthly unpaid reports to XXXX, XXXX XXXX and Experian. I can't pay for something I never bought. I never signed anything. It's a fraudulent account, I tried to file complaints with. XXXX XXXX XXXX /Experian always reject my complaint these three corporations do not verify the documentation with the banking entities they only transfer what was said from the banks if bank x says the client did not pay 5 years ago they do not verify they only publish it in your credit report that harms the user terribly. I am asking for help. Please this has to stop. My credit is ruined by criminals using my identity. Never applied for a loan or a credit card.

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 non-monetary relief