Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: WA
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:
To CFPB.GOV ATTN EXPERIAN CONSUMER ASSISTANCE CENTER, This complaint is being filed due to the gross negligence Ive encountered from EXPERIAN for their direct violations of several FCRA laws, reporting fraudulent accounts on my credit, and causing me financial duress due to their fraudulent reporting. I am including all supporting documentation to show that Ive communicated more than once with EXPERIAN about this fraudulent OCCU acct ( this account is being listed as included in a bankruptcy and there is not a bankruptcy reporting on my Experian credit file it was deleted IAW FCRA ), and that I have attempted to my full ability to show them that I was a victim of identity theft ( letter sent XX/XX/2018, XX/XX/2018 and XX/XX/2018 ). I have included in those letters the police report ( XXXX ) from the XXXX XXXX Police dept. for identity theft. EXPERIAN ignored this as evidence. Ive also included the letter I received from the federal court house in XXXX stating that the Bankruptcy on file did not match my personal information. Again, EXPERIAN ignored this evidence. This OCCU acct is still reporting on my credit file with Experian and it is not mine as the evidence shows. I had called EXPERIAN several times since first disputing this fraudulent account and asked them who it was they verified this information with, to justify maintaining the account on my credit profile, and they never validated this account IAW FDCPA 15 USC 1692G SEC. 809B. They stated on a call in 2018 that they validated the account but, without any legal validation, they again broke the law IAW 15 USC SEC 1692 ( G ) ( B ) FAILURE TO PROVIDE ANY LEGAL VALIDATION, which also breaks another law, IAW 15 USC SEC 16819 ( N ) CIVIL LIABILITY FOR WILFUL NON COMPLIANCE. 

Because EXPERIAN is not obeying the FCRA laws, I am filing this formal complaint in hopes that they can be held accountable for their actions and gross negligence. I believe it is only fair that they be fined the maximum penalty possible due to the financial pain they have caused me. I have been denied credit several times over the past few years because of this fraudulent bankruptcy. I am considering taking this to litigation and seeking maximum fines if this account is not immediately deleted from my credit file on EXPERIAN. I am a victim of identity theft as shown in the police report and supporting documents. There were fraudulent accounts reporting on my credit file ( s ) in the past and have since been deleted. This account with OCCU is not mine, its being reported as discharged in bankruptcy but, Ive never had a bankruptcy and any bankruptcy with my name on it is not mine, the letter directly from the court states that the PERSONAL information does not match their records. So this account from OCCU is not reporting properly for one, and second it is a fraudulent account on my credit file. 

This account needs to be deleted or I will be forced to begin litigation for these civil crimes against me.

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