Consumer complaint received 2024-09-02 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX last 4 digits TODAYS DATE XX/XX/XXXX Dear ACCOUNT NAME : XXXX XXXX XXXX XXXX # : XXXX I DONT AGREE WITH COMPANY THEY RESPONSE SAID A LOT BUT THE COMPANY STILL HAVE NOT PROVIDED THE ORIGINAL PURCHASE AGREEMENT WITH ME THE COMPANY AND DEBT COLLECTION COMPANY THEY SOLD THE DEBT TO AND ALL THREE OF OUR SIGNATURES ON A CONTRACT. 
ALSO MY WRITTEN CONSENT WAS PERMITTED TO THEM TO FURNISH MY CREDIT PROFILE. 
THE COMPANY INVOLVED HAS XXXX XXXX XXXX XXXX XXXX XXXX AS MY ADDRESS.i never lived there. 

MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX i never said its zero amount due the fraud amount due is XXXX I DO NOT OWE THIS DEBT THIS IS A FRAUD A ACCOUNT THIS MUST BE REMOVED.. I MADE AN IDENTITY THEFT WITH IDENTITYTHEFT.GOV ( IN ATTACHMENTS ) IAM NOT OBLIGATED TO MAKE A POLICE REPORT FOR IDENTITY! AS I STATED THE COMPANY XXXX XXXX XXXX STATES IN THERE RESPONSE IT STATES XXXX XXXX XXXX was still obligated for payments on the loan, failed to make any additional payments, thus the loan was charged off in XXXX of XXXX. We did sell the repossessed vehicle at auction for {$1600.00}. All related documents were sent to XXXX XXXX XXXX, post auction sale, as required. We also informed XXXX XXXX XXXX that he was still responsible for the balance on the loan. XXXX XXXX XXXX is the owner of this debt and there are no issues of fraud. XXXX XXXX XXXX has continued to burden us with the misconstruing and misapplication of federal regulations, highly questionable disputes based on fraud, and numerous CFPB complaints, yet we continue to utilize our time and resources to investigate each claim and/or dispute resulting in the same determination, XXXX XXXX XXXX is the owner of the debt. XXXX XXXX XXXX desired resolution of account deletion can not be satisfied. If any additional information is needed, he may contact the current debt owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Attached to response are previous response ( s ) to CFPB complaints. 

1. HOW CAN A COMPANY THAT NO LONGER OWNS DEBT TELL ME THAT MY IDENTITY THEFT CLAIM WILL NOT BE HONORED!? 15 USC 1692 e 2. HOW CAN A COMPANY THAT NO LONGER OWNS DEBT STATE THAT DELETION OF THIS ACCOUNT CAN NOT BE SATISFIED!? 

3. WHERE IS YOU PROOF OF PROCEDURE OF INVESTIGATION?! 

4. WHERE IS MY WRITTEN CONSENT TO ALLOW YOU TO FURNISH MY CREDIT REPORT XXXX. I NEVER PERMITTED ANY COMPANY XXXX XXXX XXXX OR XXXX OR XXXX OR EXPERIAN TO FURNISH MY CREDIT REPORT 6. I HAVE NEVER CONTACTED THEM TO MAKE PAYMENTS TO PAY DOWN OR PAY OFF 7. THE DEBT IS NOT MINE! AND IT HAS BEEN SATISFIED BECAUSE THE COMPANY SOLD IT AND WAS COVERED BY FCRA 8. XXXX XXXX XXXX was still obligated for payments on the loan, failed to make any additional payments, thus the loan was charged off in XXXX of XXXX. We did sell the repossessed vehicle at auction for {$1600.00}. 
9.I STARTED THIS DISPUTE WHEN I NOTICED IT THIS IS A FRAUDULENT ACCOUNT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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