Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Personal Statement I have been incarcerated for XXXX years from XXXX and I recently viewed my credit report and my personal information was used illegally without my consent nor my permission and my credit was used without my knowledge, This account ( XXXX ( Original Creditor : XXXX XXXX XXXX account XXXX XXXX, 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 credit card accounts 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 Phone account with XXXX XXXX that was later sent to a collection agency XXXX XXXX XXXX, this 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 ). This account XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, are unauthorized and fraudulent please remove this thank you. Also the has many errors and must be deleted heres the incomplete information listed : : Based on the information provided, here are some inconsistencies and potentially incomplete data between the credit bureaus : Account Type - Detail : XXXX : Unknown - credit extension, review, or collection Experian : Collection XXXX : Collection Observation : While Experian and XXXX report the account as a collection, XXXX 's description is more ambiguous. 
No. of Months ( terms ) : XXXX : XXXX Experian : XXXX XXXX : The number of months reported is inconsistent between XXXX and Experian. 
Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : The date last active is inconsistent. It is important to verify which date is accurate. 
Date of Last Payment : XXXX : - Experian : XX/XX/XXXX Observation : XXXX does not have a date of last payment listed, while Experian reports a specific date. 
Two-Year Payment History : XXXX : Not provided Experian : Consistently reported as CO ( Chargeoff ) for 24 months XXXX : XXXX of 120 days late and OK Observation : The payment history is reported differently across the bureaus. XXXX shows some months as 120 days late and some as OK, while Experian consistently shows chargeoff. XXXX does not provide this detail. 
Summary of Issues : Different descriptions of account type and status.

Inconsistent data for the number of months ( terms ). 
Discrepancies in the date last active and the date of last payment. 
Divergent payment histories. 
It is recommended to contact each credit bureau to resolve these discrepancies and ensure that the information is accurate and consistent across all reports.this account must be removed under 15 U.S. Code 1681i - Procedure in case of disputed accuracy states ( 5 ) 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.

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