Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have had identity fraud, I have filed a dispute with all three credit bureaus, XXXX, Experian, XXXX, I have multiple accounts on my credit bureaus, XXXX, XXXX, XXXX, and others, I have filed disputes and found that none of the credit bureaus are following the law, they are supposed to require proof of the debt before adding it to the credit bureaus, they are not, in fact they require nothing, when you dispute the information they still do not require anything from the companies reporting this information, all they are told to do is say, valid debt with no proof of the validity of the debt, also as I 'm speaking to the three major credit bureaus on the phone, I asked the question, where are you located, at first I get no response, then I finally get, we are in the XXXX XXXX, XXXX, the XXXX And many other countries. We as consumers are giving our personal information to people in countries that are the main source of identity fraud and theft, countries we have been at war with, 80 % of identity fraud comes from these countries. The credit bureaus are not asking for any proof the debt is valid, but yet when I or someone calls to dispute the items they want us to provide all the proof, how are we supposed to provide proof of something we have never been associated with, how would we have proof of a debt that 's does n't belong to us. This is a violation of law and our rights as consumers and Americans. We have been taken advantage of by these companies and they refuse to follow the law and I have been told this by there managers and others in there companies, the XXXX XXXX XXXX states that any debt reported to the credit bureaus as a collection or outstanding debt is to be submitted with complete proof and validity of the debt, this is not happening, in fact they are required to submit NOTHING, my address has been changed by these creditors, my birth date has been changed by these creditors, inaccurate information about payments made has been reported by these creditors, payments made to ally financial have not been applied to the actual loan, they take the payment and use it for late charges and penalties, then it shows your late every month even though you have made the payments, then they have said that I only made XXXX payments on a car I 've had for 3.5 years, then they said 14 then 18 then 21, I finally found out what they are doing by there own reps, I had a two month period that I was late almost two years ago while going through a separation, I called when I found out and was told that if I made a payment the others would be differed. They lied & continued to lie as I 'm making the payment every month they continued to ad a late payment every month, there answer was we applied all your payments to late charges that 's why there systems show XXXX payments made and there excuse about the deferment was the XXXX reps that told me that it was granted were wrong and did n't know what they weee doing, then they would not allow me to make any payments and continue to report late every month. This is also illegal. I want this to stop, these companies are allowed to ruin good people and the credit bureaus are not following the law of reporting, there are furniture companies that I 've never heard of on my credit, duplicate car loans, XXXX shows paid perfect the same company and loan shows again as a charge off. I only had XXXX car with them. XXXX is not my loan and its reporting charged off and late, I want the credit bureaus to do there job by law and require proof. This has ruined my life and families life, & I know I 'm not the only one. The call centers in XXXX, XXXX XXXX, the XXXX XXXX, etc. need to be closed, our personal information should NEVER go to these or any other country, especially when they do not even use a credit scoring system. They are stealing our info,

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