Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I received an email alert with the subject " Review the potentially negative activity on your credit report '' from my credit card company. I saw the email mentioned " Credit information provided by Experian ''. Therefore, I went to the Experian website to check what happened. I signed up at the Experian website for the first time.

I found an account that newly showed up on my Experian credit report that has the Account Name " XXXX XXXX XXXX XXXX '' said " Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. '' with Original creditor " XXXX XXXX XXXX ''. 

I immediately found this account was a complete fraud and absolutely did not belong to me. I looked up " XXXX XXXX XXXX  '' and they seem to be a property management company in XXXX XXXX, CA. I have never rented or done any business with them. I have rented the exact same unit at my current apartment complex in XXXX XXXX, CA since XX/XX/XXXX. I never owe " XXXX XXXX XXXX '' any money. 

On XX/XX/XXXX, I called Experian to dispute this account, explained this shouldn't belong to me, and requested Experian delete this account from my credit report. 

On XX/XX/XXXX, Experian emailed that the dispute is completed. I still see the account on my credit report. 

On XX/XX/XXXX, I called Experian again and explained again that this account shouldn't belong to me, I lived in the same apartment since XX/XX/XXXX. The first representative of the Experian phone line told me she didn't see a Social Security Number associated with this account. She believed this might be a " mix up '' so she transferred my call to their " XXXX Department ''. 
The second representative then told me they confirmed with " XXXX XXXX XXXX XXXX '' that the personal information was accurate, so the account was verified. I challenged the representative whether " XXXX XXXX XXXX XXXX '' provided my SSN because the first representative told me there was no SSN. The second representative didn't confirm about XXXX but kept saying personal information was accurate etc. I requested Experian to provide proof, he told me I had to contact " XXXX XXXX XXXX XXXX ''. At the end of the conversation, Experian opened another dispute for me. 

On the same day XX/XX/XXXX, I called " XXXX XXXX XXXX XXXX '' directly. My call kept getting transferred or hung up, so I spoke to roughly XXXX representatives. None of them could provide any proof that the collection account/debit belongs to me. The information they had ( such as name, date of birth, and address ) did not match my personal information at all. At last XXXX representative said he couldn't do anything because the account was disputed already and hung up. 

On XX/XX/XXXX, Experian emailed again that the dispute is completed. I still see the account on my credit report. 

I am totally upset with both Experian and " XXXX XXXX XXXX XXXX '', please help me delete this fraud account from my credit report. This account does not belong to me and should never show up on my credit report. Thank you!

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