Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Issue with Experian I disputed a delinquent account on my credit report to Experian on XX/XX/XXXX because it was fraudulent and identity theft. I submitted all required paperwork and copies of the police report and identity theft report with copies of my drivers license and proof of residence. Experian refuses to take this off of my credit report saying what they have matches the furnisher, XXXX XXXX. Well of course it does its identity theft. Someone has stole my information and used it to rent {$7200.00} worth of furniture from this company. I have reopened the dispute 3 times now and they have requested the same information and I have submitted this information 3 times. When I call I am not treated like a valued consumer I am treated like an inconvenience and I have been put on hold for up to 45 minutes at a time and also been hung up on twice now after being on hold. I have successfully removed this fraudulent account from XXXX XXXX on the other 2 reporting credit bureaus. Experian is the only one who is refusing to cooperate and remove this from my credit report. Now I have submitted more documents online to them XX/XX/XXXX for the 3rd time to reopen this same dispute of identity theft. Today XX/XX/XXXX I was hung up on my a dispute/identity theft specialist because I asked if I were to purchase the Experian Membership and Fraud Insurance if I would be treated the same way and still fighting an uphill battle to get what is clearly fraud and identity theft removed from my credit report. 
Issue with XXXX XXXX XXXX who refuses to drop the fraudulent activity against me XXXX lease reported a fraudulent lease in XXXX of XXXX. 
I discovered the fraud in XXXX of XXXX. 
When I unfroze my credit to refinance my house, is XXXX of XXXX. In XXXX I received a letter stating that I denied a lease from XXXX XXXX, there was no account information given or account number to reference. I called to take care of it with the XXXX immediately. I was then told not to worry about it because nothing had gone through or been approved. I checked my credit and saw no evidence of it as well at the time. I even contacted the furnisher owner/manager directly and was told I was stupid for calling and wasting his time. 
XXXX XXXX I continued trying to reach the furnisher during this time ( it was difficult due to COVID ). Majority of the time I would get put on hold and be disconnected, I would be hung up on immediately, or I would be asked to provide an account number/information and I didnt have any besides my name and they would not help me any further. 
In XX/XX/XXXX was when the issue got out of hand with XXXX XXXX. I could not get a credit card and I can not move forward in a current divorce due to this delinquency on my credit because I can not apply for a credit card much less new loan to keep my own home. 
XX/XX/XXXX I mailed a written letter and notice to the furnisher of the Identity theft and included all of my personal information, a request for any account information, and requesting the fraudulent charges be removed from my name and credit. I also placed a freeze on my credit with all XXXX credit agencies. 
XX/XX/XXXX XXXX XXXX and XXXX  removed the fraudulent delinquency from my credit report. 
XX/XX/XXXX I still have yet to hear from the furnisher XXXX XXXX. 
XXXX XXXX is a no credit required leasing/rent to own company. They do not run credit checks to approve leases/rentals. They also have hundreds of complaints filed due to their inability to assist customers and rectify other issues with existing customers and non customers.

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