Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
THIS ACCOUNT IS COMPLETELY INCORRECT. T HERE IS NO ACCOUNT OF MINE THAT HAS A TERM OF 98 MONTHS. 

THIS ACCOUNT WAS NEVER REINSTATED THEREFORE THE 2ND " CHARGE-OFF '' IS FRADULENT. I NEVER RETAINED MY VEHICLE BACK IT WAS ALLEDGELY SOLD AT AUCTION EVEN THOUGH IT IS NOT REPORTED ON XXXX AND XXXX HAS FAILED TO PROVIDE ME WITH THE RECEIPT FROM THE AUCTION SIGNED BY THE AUCTIONER AS A PROPER AUCTION WOULD NEED. 

I HAD AND WILL AGAIN PROVIDE MY CHECKING ACCOUNT STATEMENT TO PROVE I DID MAKE XXXX PAYMENTS THEREFORE THE REPO IN XX/XX/year>XXXX  NEEDS TO BE REMOVED ALONG WITH THE XXXX CHARGE OFF IN XX/XX/year>. 

XXXX FAILED TO PROCESS A SECOND ATTEMPT FOR PAYMENT VIA EFT FOR THE XX/XX/XXXX PAYMENT, THEREFORE SINCE THE SECOND ATTEMPT IS THE RECORDED FAILED ATTEMPT. XXXX DEFAULTED ON THEIR OWN CONTRACT. SEE PREVIOUS CFPB COMPLAINT. 

THE NEXT PAYMENT WAS DUE XX/XX/XXXX NOT XX/XX/XXXX AS XXXX STATED. THEREFORE THERE WAS NOT 2 OR MORE PAYMENTS IN DEFAULT WHEN THE VEHICLE WAS REPO MAKING IT AN ILLEGAL REPO. SINCE THERE WAS NO DEFAULT THERE IS NO BALANCE DUE NOR A PAST DUE AMOUNT TO BE COLLECTED. 

XXXX HAD RENAMED THIS ACCOUNT AS WELL. THE RENAMED ACCOUNT DOES NOT HAVE ANY PAYMENT OR BALANCE HISTORY AS THE ACCURATE XXXX ACCOUNT DID. THE ACCURATE ACCOUNT IS FOR 45 MONTHS NOT 98 AS THIS ONE IS REPORTING. 

I HAVE INCLUDED THE IDENITYTHEFTREPORT FROM THE FTC ALONG WITH A POLICE REPORT FOR FALSE REPORTING OF AN CREDIT ACCOUNT. AN ACCOUNT I DID NOT APPORVE OR AUTHORIZE XXXX TO CREATE IN MY NAME. 

IF XXXX DISAGREES WITH ME THEN THEY NEED TO PROVE THROUGH DOCUMENTS THAT THIS ACCOUNT AS IS BELONGS TO ME. ILL PROVE THAT IT DOES NOT. 

ATTACHED IS THE CONTRACT AND ONLY CONTRACT I SIGNED WITH XXXX FOR 45 MONTHS AS REPORTED IN THE FIRST ACCOUNT WHICH HAS BEEN DELETED. THE BALANCE AND PAYMENT HISTORY THAT WAS REPORTED IN THE FIRST ACCOUNT. MY CHECKING ACCOUNT STATEMENT TO DISPROVE XXXX FRADULENT STATEMENT MADE THROUGH THE ILLINOIS CONSUMER PAYMENT REPORTING SYSTEM THAT " $ XXXX  WAS PAID IN XXXX. '' THE PAYMENT SCHEDULE TO PROVE THESE WHERE BI-WEEKLY PAYMENTS. THE NEXT PAYMENT THAT WAS DUE AFTER XX/XX/XXXX WAS XX/XX/XXXX, NOT XX/XX/XXXX. THERE WAS NO VALID ATTEMPT FOR PAYMENT ON XX/XX/XXXX ( AS I HAVE PROVIDED A TRANSACTION ACCOUNT HISTORY ) OR ANY DAYS FOLLOWING. EITHER XXXX DID NOT RUN THE DEBIT CARD ACCOUNT OR THEY HAD NOT USED THE PROPER ACCOUNT INFORMATION SUCH AS CORRECT NUMBER, CVV, ZIPCODE, ETC. THIS IS WHY RETAINING THE ATTEMPTED PAYMENT IS SO IMPORTANT. I HAVE PROVIDED MY CHECKING ACCOUNT WHICH PROVES THERE IS THE MONETARY FUNDING IN THE ACCOUNT TO COVER THIS TRANSACTION WHICH WOULD HAVE BEEN FOR {$250.00}. 

THIS PROVES XXXX DID NOT FOLLOW STATE OR FEDERAL LAWS/GUIDELINES WHEN THEY WRONGFULLY REPO MY VEHICLE. THERE WHERE AWARE OF THE IMPROPER REPO WHICH IS WHY THEY HAD CONCEALED ANY EVIDENCE SUCH AS DELETING THE ACCURATE ACCOUNT AND REINSERTING A FRADULENT ACCOUNT WITH NO HISTORY AND DIFFERENT LOAN TERMS AND DIFFERENT DOFD. THIS IS WHY XXXX MAKED THE ACCOUNT OFF AS DUPLICATE SO THERE WOULD NOT BE AN INVESTIGATION. THIS SHOWS XXXX RELIBERATE, INTENTIONAL, AND WILLFUL MALICIOUS ACTS THAT CAUSED HARM AND FURTURE HARM. THIS IS WHAT LEAD TO THE IDENITY THEFTREPORT AND POLICE REPORT BEING FILED. 

THIS IS AN REINVESTIGATION THEREFORE ALL GUIDELINES FOR FCRA 611 MUST BE FOLLOWED. THERE IS NO NEED TO HAVE XXXX VERIFY THE INFORMATION THEY ALREADY HAD VERIFY. 

********PLEASE DELETE FOR INACCURATE, INCOMPLETE, AND FRADULENT ACCOUNT INFORMATION**********THIS IS PREVENTING ME FROM OBTAINING HOUSING AND CREDIT LINES********

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