Consumer complaint received 2025-01-31 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have filed multiple disputes, spanning 4 years with no resolution. 

My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 

Following the finalization of my divorce in XX/XX/XXXX I discovered several unauthorized accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} Furthermore, my credit report has been negatively impacted by a mortgage default on the property located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Per our divorce decree dated XX/XX/XXXX, my ex-spouse, XXXX XXXX, assumed full responsibility for the mortgage payments to XXXXXXXX XXXX account number XXXX. Despite this legal obligation, my ex-spouse defaulted and had many late payments, resulting in negative entries on my credit report beginning in XX/XX/XXXX. 

I suspect my ex-spouse, may be responsible for this identity theft and the mortgage default. The timing of the fraudulent activity and the mortgage default, coinciding with our contentious divorce proceedings, leads me to this belief. In contrast, all accounts for which I am solely responsible, on my credit report including credit cards and mortgages both before and after my divorce, have consistently maintained a positive standing with timely payments. This underscores that I am not responsible for the adverse accounts in question. My ex-spouse has also gone through separate litigation for his own adverse credit accounts in XXXX and has also committed tax fraud against me XX/XX/XXXX. I am currently negotiating with the IRS to rectify the tax fraud committed against me. This furthers my claim of this fraudulent activity towards me from my ex-spouse. 

Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter. I also request a full investigation into this matter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

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