Consumer complaint received 2024-09-17 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: MD

Complaint narrative:
EXPERIAN FRAUD DEPARTEMENT RE : In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of any negative accounts, including those identified as fraudulent and those that have exceeded the statute of limitations, from my credit report. As a consumer, I stress the importance of ensuring that derogatory information is reported only if it is fully accurate, complete, and compliant with all applicable laws. 
I urge the immediate deletion of any information that lacks documented evidence, physical verification, or proper certification. It is crucial to adhere to the FCRA and FDCPA, which prohibit the retention or reporting of misleading or unverified information. 
I have filed a formal complaint regarding these matters and request the prompt removal of the unlawfully reported items listed below. 
1. 
COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately. COLLECTION is in Violation under FDCPA no document has been sent to me. DELETE THIS ACCOUNT XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$1800.00} 2. 
Address discrepancies I have never lived at the address where the collection Claimed. ID theft. DELETE THIS ACCOUNT. FTC AND POLICE REPORT. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$57.00} 3.

No Statement or loan agreement received from this company. Where is the valid documentation? Please REMOVE THIS ACCOUNT IMMEDIATELY. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$2100.00} 4.

Address discrepancies I have never lived at the address where the collection Claimed. ID theft. DELETE THIS ACCOUNT. FTC AND POLICE REPORT. 
XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX Balance : {$1500.00} 5.

I am a victim of identity theft. My ex-husband opened this account without my knowledge, and I did not sign any documents related to it.

a.

Bureau Code : Your bureau shows " Maker, '' while others show " Individual.

b.

Date Opened The date reported by your bureau differs from that of the other bureaus.

c.

High Credit Your bureau reports a high credit amount of {$9300.00}, while others show {$0.00}.

d.

Credit Limit Your bureau lists a credit limit of {$0.00}, whereas others report {$10000.00}.

e.

Charged-Off account : Charged-off accounts should not show a past due balance. This discrepancy violates the Fair Credit Reporting Act ( FCRA ).

f.

Date of Last activity : All three bureaus report different dates.

g.

Date of last payment : The date reported by your bureau differs from that of the others.

Block this fraudulent account from being reported and remove it from my credit report. I have attached the FTC police report and proof of inaccurate reporting for your reference. 
XXXX XXXX Account # : XXXX Balance : {$290.00} 6.

This account has passed the status of limitation for your bureau to still report any Charged-Off or late payment. Remove this account. 
XXXX Account # : XXXX Balance : {$0.00} 7.

I am a victim of identity theft. My ex-husband opened this account without my knowledge, and I did not sign any documents related to it. Block this fraudulent account from being reported and remove it from my credit report. I have attached the FTC police report and proof of inaccurate reporting for your reference. 
XXXX XXXX Account # : XXXX Balance : {$0.00} 8.

No Statement or loan agreement received from this company. Where is the valid documentation? Please REMOVE THIS ACCOUNT IMMEDIATELY. I am a VICTIM OF ID THEFT and I have included a POLICE REPORT. Please investigate and REMOVE it from my credit report. 
XXXX Account # XXXX Balance : {$0.00} 9.

Under 15 USC 1666B this is a billing error always paid as agreed on time. Update to PAID AS AGREED/NEVER LATE XXXX Account XXXX : XXXX Balance : {$0.00} 10.

Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately XXXX Account # : XXXX Balance : {$0.00} 11.

Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately XXXX Account # : XXXX XXXX : {$0.00} 12.

Under 15 USC 1666B this is a billing error always paid as agreed on time. Update to PAID AS XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Balance : {$220000.00} 13.

Under 15 USC 1666B this is a billing error always paid as agreed on time. Update to PAID AS AGREED/NEVER LATE XXXX  Account XXXX : XXXX Balance : {$0.00} 14.

I am a victim of identity theft. My ex-husband opened this account without my knowledge, and I did not sign any documents related to it. Only your bureau is reporting this fraudulent account. Block this fraudulent account from being reported and remove it from my credit report. I have attached the FTC police report and proof of inaccurate reporting for your reference. 
XXXX XXXX Account # : XXXX Balance : {$8100.00} I have already filed a police report ( attached ) and informed all involved creditors of the fraudulent activity. Additionally, I request that a fraud alert be placed on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to correct or remove any information on a credit report that is associated with identity theft or can not be verified. The reporting of these fraudulent accounts is a significant error on my credit report, and it is crucial that they be removed immediately to accurately reflect my financial history and prevent further harm to my credit score. 
Please investigate these claims within the required statutory timeframe and provide written confirmation once the fraudulent accounts have been removed from my record. I appreciate your prompt attention to this matter. 
Enclosed are copies of the following documents for your reference : - FTC Report - Police report documenting the identity theft - Drivers license ( identification ) -Social Security Card - Proof of residence

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