Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
I HAVE CONTACTED EXPERIAN SEVERAL TIMES AND CLEARLY THEY TAKE THE BANKS SIDE EVERY TIME. I HAVE ASKED XXXX XXXX XXXXXXXX FOR COPIES OF THE CONTRACTS AND NO RESPONSE AND I HAVE ASKED XXXX XXXX  FOR BOTH CONTRACTS AND NO RESPONSE, I HAVE SENT EXPERIAN FRAUD DIVISON POLICE REPORTS AND FTC REPORTS AND A NEW COPY OF MY DRIVERS LICENSE AND ON THE POLICE REPORT IT SHOWS THE ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX IS FRAUD ADDRESS AND THE XXXX  WAS MADE AT THAT ADDRESS FOR FRAUD FOR USING MY PERSONAL INFORMATION. EXPERIAN DOESNT LOOK INTO THE INVESTIGATION AND GIVES THE BANKS FIRST RESPONSE AND BELIEVES THEM VS MY STATE AND FEDERAL PAPERWORK I HAVE SENT THEM. I WILL FILE SUIT AGAINST EXPERIAN UNDER THE FAIR CREDIT ACT. I'M A RETIRED XXXX XXXX AND THIS MESS ISNT HAPPENED TO ME. EXPERIAN BLOCKED THIS ADDRESS IN XXXX SC YEARS AGO FOR FRAUD AND NOW UNBLOCKS IT BECAUSE THE BANKS SAY ITS RIGHT. THEY ALSO BLOCKED 2 YEARS AGO A XXXX ACCOUNT AND NOW LETS THEM PUT IT BACK ON MY REPORT WITHOUT CAUSE. I HAVE SENT AND HAD BOTH BANKS SERVED WITH A ORDER FROM A STATE JUDGE IN NC WAITING THE CONTRACTS FOR THOSE CAR LOANS. EXPERIAN NOR THE BANKS HAVE REPLIED TO THE INVESTIGATOR WITH THE FTC IN XX/XX/XXXX WANTING THE PAPERWORK THE BANK SENT THE CREDIT BUREAUS SAYING THOSE ACCOUNTS WERE CORRECT NOR THEY HAVEN'T SENT THE CONTRACTS TO THE BANK EITHER. NOW THE BANKS ARE IN SHOW CAUSE FOR CONTEMPT OR A COURT ORDER. I AM FILING SUIT AGAINST XXXX  XXXX XXXX AND XXXX XXXX  ASAP, EXPERIAN TOMORROW IN XX/XX/XXXX COURT. WHEN THE FRAUD ACCOUNTS ARE REMOVED AND BLOCKED I WILL RELEASE THE LAWSUITS. WHAT GETS ME IS XXXX  XXXX XXXX AND XXXX XXXX BOTH REMOVED THOSE ACCOUNTS FROM XXXX  AND XXXX BACK IN XX/XX/XXXX, PLUS EXPERIAN REMOVE BOTH INQUIRES FROM XXXX XXXX XXXX AND XXXX XXXX   BACK IN XX/XX/XXXX AND I TOLD THEM THAY WERE FRAUD. I CAN SHOW PROOF I WASNT EVEN IN THE COUNTRY IN XXXX OR XXXX, XXXX SO HOW DID I PURCHASE SEVERAL CARS THEN WHEN I WASN'T EVEN HERE. EXPERIAN DOESN'T LOOK AT ANY OF THE PROOF I HAVE SENT THEM SHOWING THOSE ACCOUNTS ARE FRAUD. I WILL ALSO FILE SUIT AGAINST XXXX FOR LETTING THIS HAPPEN 2 DIFFERENT TIMES AND PLUS FILE SEVERAL LAE SUITS AGAINST EACH COMPANY AND EXPERIAN FOR XXXX XXXX! I JUST HAD A XXXX   XXXX IN XX/XX/XXXX AND MY DOCTOR HAS WRITTEN A LETTER STATING THE XXXX FROM EXPERIAN AND XXXX XXXX AND XXXX CAUSED ME TO HAVE THIS XXXX. EXPERIAN NEEDS TO LOOK INTO PAPERWORK THEY RECEIVE BEFORE THEY TAKE THE BANKS SIDE. WHEN EXPERIAN RECEIVED THE PAPERWORK FROM ME THEY OPENED THE DISPUTES AND WITHIN 48 HRS THE BANKS RESPONDED SAYING THE ACCOUNTS ARE RIGHT. HOW DID EVERYONE AND EXPERIAN INVESTIGATE THIS FRAUD WITHIN 48 HRS!!! THEY CAN'T, NEXT THEY WILL ANSWER TO A FEDERAL JUDGE IN XXXX NC ABOUT THIS AND WHEN THEY SEE IM TELLING THE TRUTH MORE LAWSUITS WILL BE FILED. BECAUSE MY BANK WHO HOLDS MY HOUSE LOAN ON BACK OF MY PROPERTIES ARE CALLING IN THE LOANS BECAUSE OF THIS. I HAVE THE LETTER STATING IT FROM MY BANK.

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