Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been XXXX for XXXX years I was released from XXXX this year XXXX however i recently viewed my credit report and found out someone has fraudulent used my name to obtain A XXXX XXXX XXXX XXXX personal loan for the amount of XXXX $ that is now owed XXXX, this account is fraudulent and must be removed from my credit report by law, Also theres another fraudulent account From XXXXXXXX XXXX that is reporting a XXXX XXXX balance and is in a closed status these accounts is also not mine and was open without my knowledge nor my consent. These accounts are fraudulent and must be deleted immediately and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately this account is fraudulent and was made without my consent. my information has been stolen and used whoever stolen. My information has used it illegally to apply for loan account 's with many financial institutions. This account is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen My information has used it illegally to apply for a personal loan with ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX ) that was later sent to a collection agency, thes illegal account are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. This account are unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and account XXXX XXXX XXXXXXXX XXXX XXXX are unauthorized and fraudulent please remove this thank you. Also there are many issues thats reported on my credit report by XXXX XXXX and Experian whom all reported inaccurate information from the fraudulent ( XXXX XXXX XXXX XXXX account ) the information is a Violation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, Here 's an analysis of the inconsistencies and potentially incomplete information in the credit reports from XXXX XXXX Experian, and XXXX XXXX for XXXX XXXX XXXX XXXX Account Type - Detail : XXXX XXXX Installment Experian : Installment XXXX XXXX Unsecured loan Observation : XXXX and Experian report the account as an installment loan, while XXXX reports it as an unsecured loan. This discrepancy should be clarified. 
No. of Months ( terms ) : XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX : The number of months ( terms ) is consistent across all three bureaus. 
Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Observation : There is a discrepancy in the date opened between XXXX and the other two bureaus. 
Balance : XXXX : {$32000.00} Experian : {$32000.00} XXXX : {$32000.00} Observation : The balance is consistent across all bureaus. 
High Credit : XXXX : {$30000.00} Experian : {$30000.00} XXXX : {$32000.00} Observation : The high credit amount differs between XXXX and the other two bureaus. 
Payment Status : XXXX : Collection/Chargeoff Experian : Collection/Chargeoff XXXX : Collection/Chargeoff Observation XXXX Payment status is consistent across all bureaus. 
Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Observation : The date last active differs between the bureaus. 
Date of Last Payment : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Observation : The date of last payment is consistent across all bureaus. 
XXXX XXXX XXXX : XXXX : XXXX a chargeoff status for the past 24 months. 
Experian : Shows a chargeoff status for the past 24 months. 
XXXX : Shows a mix of 120 days late and OK for the past 24 months. 
Observation : The payment history is reported differently across the bureaus. 
Summary of Issues : Differences in the account type - detail and date opened. 
Discrepancies in the high credit amount. 
Variations in the date last active. 
Divergent payment histories. 
These inconsistencies should be addressed by contacting the credit bureaus to ensure all records are accurate and consistent. Plus the XXXX XXXX account is a charge off but is reporting a {$32000.00} balance which is a violation of the FCRA However charge/off doesnt suppose to report a balance under XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CHARGE OFF = XXXX XXXXXXXX, IDENTIFIABLE EVEN CODE ( 7 ) States A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter " G '' in box 6 to report this identifiable event. 
I also have 3 unauthorized inquiries on my credit report as well from XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian these inquiries are fraudulent and was put on my credit report without my consent permission nor my knowledge please remove them immediately, plus this has not been verified under 15 U.S. Code 1692g - Validation of debts ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. However theres many inaccuracies on my credit report from XXXX XXXX XXXX XXXX account thats being reported by XXXX XXXX and Experian which is a Violation under 15 U.S. Code 1681e - Compliance procedures ( b ) AccURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( C ) DISCLOSURE OF CONSUMER REPORTS BY USERS ALLOWED A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

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