Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ARE NOT MY ACCOUNTS, I'M A VICTIM OF IDENTITY THEFT. 




Account name XXXX BANK DELAWARE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$3.00}, 178 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$2000.00} Highest balance {$3100.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO 60 30 XXXX  CO CO CO CO 90 60 XXXX  CO CO CO CO 120 60 XXXX  CO CO CO CO 150 60 XXXX  CO CO CO CO 180 XXXX CO CO CO CO XXXX XXXX CO CO CO CO CO XXXX CO CO CO CO CO XXXX CO CO CO CO CO XXXX CO CO CO CO XXXX CO CO CO CO XXXX CO CO CO CO 30 Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days 180 Past due 180 days CO Charge off Payment history guide Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$260.00} written off. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$260.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO 30 XXXX  CO 60 XXXX  CO 90 XXXX CO 120 XXXX CO 150 XXXX CO CO XXXX CO XXXX CO XXXX CO XXXX CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days CO Charge off Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$7100.00} Highest balance {$7700.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX CO 30 XXXX CO A CO XXXX CO 30 XXXX CO 60 XXXX CO 90 XXXX  CO 120 XXXX 150 XXXX CO XXXX CO XXXX CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days CO Charge off Account info Account name SELF XXXX BANK Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$120.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$570.00} Highest balance {$610.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ND 150 XXXX  ND CO XXXX  ND ND XXXX  ND ND XXXX ND ND XXXX  CO ND XXXX  ND XXXX  ND XXXX ND 30  XXXX  ND 60 XXXX ND 90 D ND 120 Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$35000.00} Balance updated XX/XX/XXXX Recent payment {$750.00} as of XX/XX/XXXX Monthly payment {$750.00} Original balance {$44000.00} Highest balance - Terms 85 Months Payment history XXXX XXXX XXXX XXXX J XXXX XXXX F XXXX XXXX M A XXXX XXXX XXXX J J XXXX XXXX A XXXX XXXX XXXX O XXXX XXXX XXXX D Current / Terms met XXXX Past due 30 days Account info Account name XXXX XXXX SVCS Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$320.00} as of XX/XX/XXXX Monthly payment - Original balance {$9200.00} Highest balance - Terms 47 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX 30 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days XXXX Closed ND No data for this period Account info Account name XXXX  XXXX Account number SVLHXXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$990.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$950.00} Highest balance - Terms 12 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX CO CO XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX CO CO CO XXXX CO CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days C Collection CO Charge off Account info Account name SELF XXXX BANK Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$48.00} as of XX/XX/XXXX Monthly payment - Original balance {$540.00} Highest balance - Terms 12 Months Payment history XXXX XXXX XXXX XXXX XXXX M XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Closed Account info Account name XXXX XXXX BANK Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$520.00} Highest balance - Terms 24 Months Payment history XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met 30 Past due 30 days XXXX Closed Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$160.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection

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