Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX Experian allegedly verified this account : XXXX Acct # : XXXX .... as reporting accurate. In fact, Experian 's dispute results indicate that XXXX " certified '' the account is reporting accurate. However, this account is ID Theft related. This account is not mine, not opened by me, or used by me. Additionally, the following reported data is not known to be correct or accurate, and results in multiple FCRA violations : " Date of Status '' is incorrect and should reflect the date of alleged charge off. Credit limit not known to be accurate. High Balance not known to be accurate. Recent Balance not known to be accurate. Date of first delinquency, late payments, charge off, and account closed date not known to be accurate or is missing. Date of account removal ( DOFD ) is missing, not reported. Date opened not known to be accurate. Amount charged off and charge off date not known to be accurate. Amount past due not known to be accurate. Past due amount exceeds charged off amount. Balance history is missing, not known, or known to be accurate. There is no Address Identification Number associated with this account therefore account Address is not known or is associated with previously removed ID theft related address. Account number not known to be accurate. Account " closed '' date is not known to be accurate. First account reported date not known to be accurate. Additionally, XXXX has not produced account documents under an FCRA 609e for ID theft victims request including original application, statements, notices, payment history, signatures, credit reporting, or any other document proving this account mine, or that any of the information that is being reported to Experian is accurate, even after multiple CFPB disputes. CFPB complaints XXXX and XXXX gave XXXX opportunity to upload these requested documents and they failed to do so, in addition to my original FCRA 609e request directly to them almost 2 years ago. Additionally, XXXX did not provide me with a privacy notice on how my information would be shared, and I object with XXXX sharing my stolen information with Experian. XXXX parroting back to Experian my name, ssn, address, or birthdate will not be considered a valid response to this dispute as XXXX obtained my information from an identity thief and not me personally. I am not a XXXX customer and demand DELETION of this account. Further, this account was sold ( as claimed by XXXX ). Due to this sale, there is no additional proof that XXXX even has the rights to report this account, or verify any information on behalf of this account. CFPB complaint XXXX specifically contradicts information that Experian claims was certified by XXXX as being reported correctly in my last dispute. XXXX is reporting XX/XX/XXXX as the closed date " date of status '' when XXXX 's CFPB response states the account was closed on XX/XX/XXXX. XXXX is reporting {$1800.00} charged off and the complaint response indicated only a balance of {$1500.00}, not {$1800.00} as being reported. No further accounting of the alleged balance is provided by XXXX how this total is calculated and {$1800.00} is not known to be accurate. XXXX indicates this account allegedly charged off on XX/XX/XXXX which is contradictory to the payment history on Experian where it is indicated it charged off in XX/XX/XXXX. Legally this account would have had to charge of in XX/XX/XXXX, not XX/XX/XXXX per IRS charge off accounting rules, which further indicates XXXX 's " bad '' payment history incorrect and contradictory to CFPB XXXX. So therefore as Experian claims XXXX certified the information as correct, when it is factually INCORRECT and NOT ACCURATE based on XXXX 's response in XXXX, it is demanded that this account be immediately DELETED due to FCRA violations, including the " certification '' by XXXX to Experian that directly contradicts XXXX 's response of a year ago in CFPB XXXX. Only 2 reasonable conclusions can be drawn : Either Experian is lying about investigating this account in XX/XX/XXXX, or XXXX lied to Experian certifying the information that is reported is accurate. Continued reporting of this account will lead to swift legal action being taken due to the fact XXXX certified their reported data as accurate to Experian ( as Experian claims per dispute results ) contrary to CFPB XXXX. IMMEDIATE DELETION IS DEMANDED.

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