Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to bring to your attention several issues I have encountered related to debt collection and credit reporting, which stem from incidents of identity theft. I appreciate your assistance in resolving these matters. 

XXXX XXXX XXXX XXXX ( XXXX ) Debt Collection On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau regarding a debt collection attempt by XXXX XXXX XXXX XXXX ( XXXX ) for a XXXX  account in the amount of {$1000.00}. I have repeatedly informed XXXX and the collection agencies that this debt is the result of identity theft, as someone used my information for mobile services. Despite my efforts, I was told on numerous occasions that this debt was my responsibility. 

XXXX has since reviewed my complaint. They restricted the account and requested validation information from the creditor on XX/XX/year>. On XX/XX/year>, XXXX requested the removal of their entries from my credit reports. The debt was subsequently removed from all three credit bureaus. However, I was dismayed to find that it reappeared on my credit report under a different creditor, " XXXX XXXX XXXX, '' on XX/XX/year>. This is unacceptable, as I should not have to go through the removal process again. 

I request that the debt be permanently removed from my credit report, as it is the result of identity theft, and that XXXX XXXX XXXX 's entry be deleted as well. 

XXXX XXXX XXXX XXXX XXXX submitted a complaint regarding a {$1400.00} loan placed in collections by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) and serviced by XXXX. They responded by stating that they believe the account was opened legitimately and provided a claim denial email on XX/XX/year>. I contest this determination, as I did not authorize this loan. 

I request that this loan be removed from my credit report, as it is the result of identity theft. 

XXXX XXXX XXXX XXXX Loans Additionally, I have an outstanding issue with XXXX XXXX XXXX XXXX concerning two loans reported as collections for {$3000.00} and {$3500.00}. They claim that I can still make payments and that it is not a charge-off. However, it appears on my credit report marked as a charge-off, which I believe is inaccurate and misleading. 

I request that these loans be removed, as it is not an accurate representation of the status of these accounts. 

XXXX XXXX XXXX  Debt I also submitted a complaint about an apartment debt of {$4100.00} placed on my XXXX XXXX account with Experian by XXXX XXXX. They stated that the account was accurate. However, this debt is the result of identity theft, and I request that it be removed from my credit report. 

Hard Inquiries Lastly, I have requested the removal of several hard inquiries from my credit report, including those from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX. Despite following up via phone and mail, I have not received confirmation of their removal, even after being advised that it would take 3 to 7 days. 

I kindly request your assistance in resolving these matters and ensuring that my credit report accurately reflects my situation. Thank you for your attention to this important issue

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