Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: VA
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:
I need someone to look into this matter immediately. Experian closed my last dispute with CFPB under case ID XXXX In regard to account # XXXX from the company XXXX XXXX in the amount of {$320.00} that was illegally re-inserted back onto my credit report with Experian. 

Whomever the representative with Experian that viewed this before claimed " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you '' Two Days ago ( XXXX ) I called and had everything verified over the phone with a representative showing that I am disputing this information and it has been illegally placed on my credit report. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Experian to do the same. 
Additionally, XXXX has also deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX took this matter seriously and deleted this account and others quickly because they're not mine. 

Here is the last response I provided please make sure to read all the details and review all the evidence attached. 

This is in regards to account number XXXX Experian responded back on XXXX to the Consumer Financial Protection Bureau ( Complain ID XXXX ) that it had no record of the disputed information does not appear on my current Experian credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX. It was due to Experian deleting this from my XXXX credit report. Additionally, on XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX Credit Report. XXXX looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. After their investigation they wrote me on XXXX to inform me that this was deleted from my report. Furthermore on XXXX XXXX  also responded to the Consumer Financial Protection Bureau that it had deleted XXXX XXXX ( XXXX XXXX XXXX # XXXX from my XXXX credit report. XXXX also responded to the Consumer Financial Protection Bureau ( Complain ID XXXX ) on XXXX that it had also deleted XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX that XXXX deleted this from my credit report. Now the same company XXXX XXXX account number XXXX trying to illegally add the same creditor XXXX XXXX under a shorter name back to my credit report under a new account number and same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. Furthermore, if you look at my report with XXXX versus my report with Experian and XXXX, they are being reported under two totally separate companies with different addresses. Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX Cc : Attorney General 's Office Cc : XXXX 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 non-monetary relief