Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Multiple address that do not belong to me are listed on my report, along with various credit cards, auto insurance premiums, utility accounts, and other debts and loans are listed on my experian accounts I have frozen my credit in the past and that obviously didn't help as new stuff keeps updating such as various address in XXXX XXXX and XXXX that I have apparently lived at when I have only ever visited these states for weeks at a time at most. I have tried to dispute them but they just keep returning and its gotten to the point where I have to guess at the auto generated question because they are asking me for associated to license plates, address, mortgages, loans all that I have no knowledge of to answer. Only recently got back into my experian because I saw the listed address on my XXXX  XXXX and was able to associate to the correct state when asked, along with guess a license plate by some miracle. I have officially placed a fraud alert as of today, and was hoping you can help me clear up my report, as I have disputed some items in the past and they simply go away for awhile and then reappear. I also believe I may be a victim of my soon to be EX-husband opening accounts checking credit in my name, as I recently noticed a credit union account with negative balances and seen a check book with my name that I thought was strange in the past, I am currently working my way to self sufficiency and will pursue charges once I am safely away and separated as sadly I have little control of anything by design, along with isolation from anyone else by design, and things may get intense for if I escalate anything to quickly without a plan. I can handle myself so don't worry, I just need to save a bit more savings and shelter arranged before exiting this situation since we are both XXXX  not many resources it seems for XXXX XXXX XXXX XXXX TMI lol sorry about that but I am sure that all the stuff is not him, as some of it dates before we met and in different states. I have received many notices and even a settlement from my previous employer for my identity information being breached, and XXXX  says I am affected by that breach as well. 
I did not overdraft my XXXX XXXX XXXX XXXX account, I also have not changed any info or emails to that account, yet I cant validated and tried to go in branch to be told to email fraud team, to be told via email they can't help that I have to go in lol XXXX XXXX I used around 2015 very much disliked app and charges to help build credit and I did not take a {$500.00} loan not {$1000.00} such as it says. 
I never had XXXX XXXX  as provider and not sure how I got a bill when I never truly lived in areas they provide services I never had a policy with XXXX XXXX  to owe them money. period. 
Did not open a XXXX XXXX credit card last year either and various other card such as XXXX. period. 
Also I did not open an account with XXXX under my name or with XXXX, only have used XXXX and XXXX in the past. and currently have XXXX XXXX or prepaid service.

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