Experian Information Solutions Inc. – CFPB Complaint ID 2943497

Date Received: 2018-06-22T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Hello CFPB, I was recently notified of my personal information was apart of that huge XXXX breach. So the steps that I took was pulling my credit report to look over everything on all 3 credit bureaus and noticed accounts that are definitely NOT mine. I’ve had to freeze all credit bureaus and send out dispute letters certified in the mail to all three credit bureaus and validation letters to the unknown credit collectors. One of the original collectors on just my Experian report is really shady, meaning i looked them up on XXXX search and they are permanently shut down and the collector for this so called original collector website is unsecured, so I didn’t want to go much further. I did send out a certified verification letter to this collector stating that they need to verify that this account is mine, because i have never in my life heard of them or the original collector. I also know for a fact that I did not initiate any kind of loan or credit card at this time in my life. This creditor is names XXXX the collectors name is XXXX XXXX XXXX. Both of which I have never once heard of and know for a fact that I never applied for any sort of cc or loan with these companies at any point in my life.I do have copied of these certified receipts from USPS and screen shots of the investigation on XXXX that I have done concerning these two companies. I have asked the 3 credit bureaus to make sure and get validation for all unknown creditors on my credit reports.
By validation, they need to send me proof of my actual signature of these so called debts that they are reporting. I do know my rights and I do know that I have been a victim of Identity theft and now, this has put such a burden on my life, with freezing all credit bureaus and now i have to pay {$29.00} a month to monitor my credit report, so nothing else is added that isn’t mine. As of right now it seems as nothing has been done, but i know for a fact that the credit bureaus have received my certificated and notarized verification letters. The sad thing is, that They continue to keep this false information on my credit report and seem to take this lightly, as of right now all three main credit bureaus have just 2 more weeks to finish their verification. If you would like to see the information about this particular creditor that I am speaking of above, please feel free to contact me.Thank you

See also  Williams & Fudge, Inc - CFPB Complaint ID 3077350

Company: Experian Information Solutions Inc.

State/Zip: NY 137XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2943497

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