Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I've been a victim of identity theft please remove these fraudulent unauthorized accounts and inquiries as followed, XXXX XXXXXXXX XXXX ( bank ) XXXX please delete this off of my XXXX XXXX report it was not opened by me it was in result of identity theft, XXXX XXXX Auto loan XXXX $ Collection Charge off ), please remove all the above fraudulent and illegal accounts and inquiries immediately from my credit report please remove all above fraudulent accounts and inquiries, also XXXX XXXX XXXX XXXX $ ( CollectionCharge off ) are reporting on my credit report as a ( open account ) which is a violation under FCRA You are reporting this collection account on my credit report with an " Open '' status This is inaccurate reporting and therefore this collection accounts needs to be removed from my credit file under FCRA, Please delete this at once from my report immediately please remove all the above fraudulent and illegal accounts and inquiries immediately from my credit report please remove all above fraudulent accounts and inquiries, also XXXX XXXX XXXX XXXX $ ( CollectionCharge off ) are reporting on my credit report as a ( open account ) which is a violation under FCRA You are reporting this collection account on my credit report with an " Open '' status. 
This is inaccurate reporting and therefore this collection accounts needs to be removed from my credit file under FCRA Please delete this at once from my report immediately XXXX XXXX XXXX XXXX $ ( Authorized user Credit Card ), XXXX XXXX XXXX XXXX $ ( CollectionCharge off ), Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Unauthorized inquiries : XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), Electronic Merchant XXXX XXXX ( XXXX ), XXXX  XXXX bank ( XXXX XXXX XXXX ), XXXX XXXX XXXX ( XX/XX/year> ),. All the above accounts addresses, and inquiries are all fraudulent and unauthorized my information has been stolen and illegally used and these accounts must be removed from my credit report this is a violation under 15 USC 16815- ( B ) of the FCRA and a violation of the Fair Debt Collection PracticesAct. Please removed this information from my credit report, pursuant to section 15 U.S.

Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating " Information alleged to result from identity theft " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumerto any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct ''. 
I Also Reached out to the creditors & collection agencies requesting a debt of validation for all of the inaccurate accounts. However it has now been 90 days and neither the creditor nor collection agency responded to validate the debt. 
Which is Also a violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, FCRA 605B ( 15 U.S.C. 1681c-2 ) please remove all the above fraudulent and illegal accounts and inquiries immediately from my credit report. However I never gave any entity, Credit bureau, nor auto loan lender or any other financial institutions written permission to report any accounts to my credit or pull my credit to open an account which why all the inquiries and accounts isted above must be deleted immediately under 15 U.S. Code 1681c-1- Identity theft prevention ; fraud alerts and active duty alerts please remove all the above fraudulent and illegal accounts and inquiries immediately from my credit report please remove all above fraudulent accounts and inquiries, also XXXX XXXX XXXX XXXX $ ( CollectionCharge off ) are reporting on my credit report as a ( open account ) which is a violation under FCRA You are reporting this collection account on my credit report with an " Open '' status. This is inaccurate reporting and therefore this collection account needs to be removed from my credit file under FCRA, Please delete this at once from my report immediately. Also you are reporting a fraudulent auto loan from XXXX XXXX Auto loan XXXX $ Collection Charge off ), which is inaccurate reporting because If it says " Charged Off '' on your credit report this means the original creditor took a tax write off and reported the balance as a loss. Thus this fraudulent and bad debt from ( XXXX XXXX ) " Change off '' must be removed from my credit report immediately under ( 7 CFR 1782.3 ) Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables however future payments Off '' on your credit report this means the original creditor took a tax write off and reported the balance as a loss. Thus this fraudulent and bad debt from ( XXXX XXXX ) " Change off '' must be removed from my credit report immediately under ( 7 CFR 1782.3 ) Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received not by creditors but whom ever charged off the debt. This is inaccurate reporting and must be deleted immediately because the debt has been removed under ( 7 CFR 1782.3 ). These fraudulent accounts and inquiries and and addresses must be removed immediately under 15 U.S. Code 1681c-1 and 15 USC 16815- ( B ) 1of the FCRA and a violation of the Fair Debt Collection PracticesAct. Because Ive never lived at the fraudulent address of XXXX XXXX XXXX XXXX XXXX Illinois XXXX this address was apart of an illegal scheme from a identity theft investigation that I was a victim of and must be deleted immediately. My correct address is XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, Minnesota XXXX this the only address Ive be living at for 5 years. Under our 15 USC 1681 ( B ) this all is a violation and must be corrected immediately because the furnished did not conduct a reasonable investigation with my to my disputed information and did not review all relevant information provided by the consumer with the dispute notice 15 USC 1681i ( a ) ( 1 )

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