Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
In accordance to the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am writing to you regarding a notice of debt that I received. The notice references an alleged debt with the following accounts : a fraudulent XXXX account opened on XX/XX/XXXX with account number # XXXX and fraudulent XXXX XXXX account : # XXXX opened in XXXX and a collection charge off with XXXX account XXXX XXXX. An account with XXXX XXXX XXXX # XXXX, and account with XXXX account # XXXX, an account with XXXX with account # XXXX, an account with XXXX account # XXXX. There is also an auto loan account that was fully paid to XXXX XXXX as they had gap insurance with the account # XXXX. That account was fully paid and there is no debt owed on it. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I do not acknowledge this debt as valid as they were fraudulently incurred using my information. I did not live at the addresses mentioned on my credit report. Additionally, during this time, I request that you cease all collection activities, including reporting this debt to credit reporting agencies, in compliance with the FDCPA. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete, and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me with your method of verification. Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like Johnson v. MBNA Am. Bank, NA, 357 F.3d 426, 431 ( 4th Cir. 2004 ). Your response should to me should include the following at a minimum. * Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? * What certified documents were reviewed to conclude your investigation? *Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. * Please provide proof of your timely procurement of certified documents. * Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? a If yes to above : i Who did you speak to? ii On what date? Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. If you can not supply ALL the above information in a timely manner as detailed in

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