Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I'm terribly worried about the preciseness and validity of your recent investigation of these accounts that are on my credit report. About a month a I asked for an investigation because I felt the items were being reported illegitimately. Shortly after that I received a letter stating that your investigation was completed. Did you even read the previous letter? Please explain to me how you conducted your investigation!

Please I need you to send me my complete credit report as required by the Fair Credit Reporting Act to my home address.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please validate the information reported, The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX Fraudulent balance : {$8800.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

This account is duplicated on my credit report, please remove from my credit report. 

The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX  Account XXXX Fraudulent balance : {$320.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 


The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX XXXX  Account number : XXXX Fraudulent balance : {$3900.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 


The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account number : XXXX The status of this account should indicate paid as agreed. This account has been paid correctly and has never been in late payment. 
Please immediately remove these 30 ( XX/XX/year> ), 60 ( XX/XX/year> ) days delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is reporting incorrect information as the correct balance is {$2800.00} Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

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