Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im reaching out because on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. 

Hi enclosed the following letter : Remove the following addresses from my report as they do not belong to me. In addition, DELETE any INVALID ACCOUNTS or DATA associated with this address as they dont belong to be me neither as being RELATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : CLOSED Balance : {$0.00} Reason : Please remove this collection account from my credit report. Someone used my identity to open this account fraudulently. In addition, I have a reason to strongly insist this is a falsified debt portfolio because I have never done business with neither company. 

Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : CLOSED Balance : {$0.00} Reason : Please remove this collection account from my credit report. Someone used my identity to open this account fraudulently. In addition, I have a reason to strongly insist this is a falsified debt portfolio because I have never done business with neither company. 


Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2200.00} Reason : Please remove this collection account from my credit report. Someone used my identity to open this account fraudulently. In addition, I have a reason to strongly insist this is a falsified debt portfolio because I have never done business with neither company. 

Original Creditor : XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$4000.00} Reason : Please remove this collection account from my credit report. Someone used my identity to open this account fraudulently. In addition, I have a reason to strongly insist this is a falsified debt portfolio because I have never done business with neither company. 

Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Reason : Remove this Public Record from my credit file. I pulled this file using PACER-Public Access to Court Electronic Records, and this DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and erroneously merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
As evidenced in the following enclosed documents the judgment being reported in the case does not exists and may been filed in error. Therefore, it is requested that your entity delete this entry from my credit file immediately.

The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. If your entity verifies the disputed account, in accordance with the FCRA, section 611 ( a ) ( 7 ) I request a  detailed Method of Verification be provided within 15 days of receipt of this letter for the aforementioned account complete with the following information : Name Business address Telephone number of the person or business contacted during the investigation If a detailed Method of verification can not be provided, please delete these entries as requested. If your credit reporting agency refuses this request, I intend to sue for willful non-compliance under FCRA 616.

In addition, this account is negatively affecting my credit rating. I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX

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