Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
In the month of XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX ( address : XXXX XXXX XXXX, XXXX, FL XXXX ) was added to my XXXX and Experian Credit Report with a delinquent balance of XXXX. When this happened, I contacted the company ( XXXX XXXX XXXX ) who continued to state that I owe and or own the Resort. I've spoke with them and different attorneys ( but not represented ) which advised me to dispute the action with supporting documentation reflecting that this is not my debt or property. I disputed the action twice with Experian and XXXX, however recently this debt has appeared on my XXXX account as well. I've made it very clear with supporting document showing that I did not purchase, nor do I own this Resort at any time in my life. I have never purchase nor sign any documents to purchase this or any other Resort at any time however I do have a ex-wife ( owner ) who already owned this Resort years before our meeting, and this is where we spent the honeymoon in XXXX XXXX XXXX but I did not sign or co-sign with her or for her, for purchase or upgrade. During the divorce we verbally agreed that we would finalize any and all finical obligation between us with no interruptions however I did have her signed a agreement prior to our divorce concerning the XXXX XXXX Account because they started calling me sometime in XXXX, after our legal separation. Again, XXXX XXXX was bought by my ex-wife before I meet her sometime in XXXX or XXXX and she ( or the company ) upgraded the account in XXXX. Never has this Company obtain a Credit Report from me ( by my permission ) for my own purchase nor to add me to the financial obligation or deed. This account was not reported on my Credit Report in the year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and for XXXX or XXXX of the months in XXXX. Then XXXX  years ( and more ) after the opening of this XXXX XXXX XXXX Account ending in XXXX, it suddenly appears on my XXXX, Experian and now XXXX Credit Reports. This account number that was associated with my e name and Social Security Number ( as reflected with the legal IRS Form 1098 ) mysteriously in XXXX, suddenly reflects my name and SSN ( with the same XXXX Account Number ending in XXXX ). I believe that my identity has been illegal used and signature has been forged in order to put this in my name to release the original owner of the debt and relationship with XXXX XXXX XXXX XXXX. This is a false and forged action not only by signatures but also by residential address. At least XXXX address were used as well and listed on my Credit Report in which I've never known about or seen until their appearance on my credit report. XXXX XXXX XXXX has never sent me mail or certified mail at any of my actual address concerning this manner. Since the year of XXXX XXXX XXXX XXXX has harassed me by phone and email concerning this debt, in which I referred them to the owner. They did continue to call me but I did not answer. They did email me trying to convince me to sign documents agreeing to owning or selling to release myself from the debt but I told them Im not the owner. This has been going on since XXXX and I've been fighting with XXXX XXXX XXXX for almost XXXX  years and Credit Bureaus for close to XXXX years. This XXXX XXXX XXXX XXXX has now been foreclose in my name on XXXX XXXX XXXX. I've attempted to resolve these issue in many different direction with you being the last along with a few other agencies to insure that the correct actions take place and are finalized and reported.

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