Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: VA
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 am having problems with XXXX  & Experian Credit Reporting Agencies regarding my credit reports and scores with them. I have disputed and submitted paperwork as of XXXX to XXXX regarding accounts that pertain to XXXX XXXX XXXX XXXX which includes four accounts, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. These accounts have not only been charged off by the companies but are also still reflecting and reporting on my credit reports as being delinquent, late and costing me points every single month despite the companies charging these items off as a loss. 

XXXX XXXX XXXX, XXXX was also involved in a civil lawsuit regarding fake and fraudulent accounts that did not belong to individuals who banked with them. I have never even had a bank account with XXXX XXXX XXXX, XXXX  or XXXX XXXX XXXX XXXX. I am a member of XXXX and have been since XXXX. My sister was also living with me during this time and she had access to everything in my home and I believe her to be the culprit with regards to these accounts. 

I have submitted paperwork numerous of times regarding ID Theft, FTC Reports, Police Reports, XXXX Security Breach & XXXX  Security Breach and to no avail these items still remain despite everything that I have done on my end with regards to this matter. 

These items have also been included in two Chapter 7 Bankruptcies and yet they remain on my credit reports. Companies can not report items that they charge off and are taking as a loss even if it is or isn't my account and then report me as being delinquent. 

I was a victim of identity theft in XXXX. I am going public with regards to this matter because I am sick and tired of submitting evidence time and time again to show proof that these are not my items and I want them deleted and removed from my credit reports ASAP. I submit the items only to be told they were not received which is not true because I not only fax the paperwork, I also mail everything certified mail. 

This can not and will not continue. I have filed numerous complaints with the BBB and still am getting nowhere. I have filed numerous complaints with XXXX  & Experian and still getting nowhere. 

Where are the laws to protect people like myself and how can credit reporting agencies be allowed to do this and get away with it time and time again? If these items are not deleted and removed from my credit reports I will take legal action against XXXX  & Experian ASAP. Every time my scores go up, they find a way to take the points right back from me repeatedly. 

My Experian credit score has been at a XXXX for like the last year or so as a result of the items that I have listed above. As of XX/XX/XXXX my Experian credit score dropped from a XXXX to a XXXX costing me 32 points and then going back up to a XXXX as of XX/XX/XXXX. 

My XXXX credit score recently went from a XXXX to a XXXX dropping 42 points as of XX/XX/XXXX as a result of these items that should have been removed and deleted a long time ago. 

I expect and want results with regards to this matter once and for all in addition to the points that were taken away from me as a result of these negative items being reported time and time again to no avail. 

Thank you for your prompt attention to this matter and maybe this time I will finally get the results I need and deserve once and for all.

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