Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
I have requested over XXXX times since XXXX for XXXX, Experian, and XXXX to remove this account that i have also directly requested to be removed from the credit directly. XXXX XXXX XXXX I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. 

It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. Furthermore, the original debt has been sold multiple times, with the collection agencies and credit reporting agencies unlawfully re-aging the debt. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in Engekhardt v. Gravens 281 SW 715.719, if no proof of the alleged debt is provided, then no debt exists. To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. 

The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. The repeated sale and re-aging of a charged-off debt, along with ongoing collection efforts as recent as a week ago, are clear violations of my rights. This is a violation of 15 USC 1692e ( 8 ). More specifically, Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

The financial harm caused by this situation has been ongoing for almost 7 years, severely impacting my life. 15 U.S.Code 1692a ( 6 ) states Navy federal and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. 15 U.S.Code 1692c ( b ) law. However the debt collector, Navy Federal and the subsequent debt collectors have communicated with the all caps name principal obligor, JESSICA MARIA LEWIS and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ).

I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from? 

Attached is my original dispute. Its still reporting. It was once deleted and then added back

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 non-monetary relief