Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting a fraudulent XXXX XXXX XXXX XXXX business credit card on my personal credit report. I have never done business with XXXX XXXX nor have I ever even owned a business. I disputed this fraudulent account with Experian in XXXX, XXXX. Experian responded stating that they have deleted the FRAUDULENT XXXX  INQUIRY however the fraudulent account associated with it was " verified '' and remains on my credit report. How can an inquiry be considered fraudulent and warrant a deletion however the account associated with that fraudulent inquiry is not fraud? This makes absolutely no sense. Experian 's reporting of this fraudulent XXXX account has hindered my ability of being promoted at my job as my employer requires employees to not have consecutive late payments with a single creditor. I am an XXXX, my job can reprimand, if not let me go due to this erroneous account. There is also a fraudulent address associated with this account that is not even a residence, but instead a virtual address business. I have never lived at this address nor do I know anyone who has. I have never had a virtual address. This is fraud! I spoke to a representative named XXXX last week, XX/XX/XXXX in Experian 's Texas office at XXXX EST. He works in the dispute department and informed me that I " should file another police report '', " something that is more up to date ''. Why would I file another police report on the same matter? The police report I walked into the police department and filed is dated XX/XX/XXXX. Why would I file a duplicative report? Not to mention we are in the middle of a global pandemic, I was desperate enough to walk in the first time to file my police report to fix this XXXX error why would I be advised by XXXX to do this again. Police reports have no expiration date and is a legal document that remains on file indefinitely at the municipal precinct. All the information related to this dispute is on my report, there is no reason to file a duplicative report! This is a waste of time, tax payers dollars and police resources. I also included a consumer fraud affidavit in my original dispute. You have ALL the information required of me to permanently block the fraudulent account pursuant to FCRA 605B. I am very stressed out about this and Experian is giving me a hard time resolving this matter. They have caused much undue stress due their blatant disregard and games -- ultimately violating my consumer rights They are not only playing games with the system but more importantly, MY LIVELIHOOD! The fact that the fraudulent XXXX inquiry was removed and not the fraudulent account leads me to believe Experian is willfully and knowingly being noncompliant and negligent. This has prompted me to seek legal counsel. My attorney advised me to try to settle this matter through CFPB as well as filing a complaint with the states attorney in each coast Experian is in : Texas, Illinois, California and New York. If this does not solve the issue my next and final step will be filing a civil lawsuit for willful noncompliance, negligence and undue emotional and financial distress.

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