Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: ID
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:
I have disputed 2 collection accounts with Experian for over 3 months since XX/XX/XXXX. 

XXXX XXXX XXXX - {$19000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX - {$3600.00} OPENED XX/XX/XXXX These are fraudulant accounts, I have submitted multiple FTC reports dating through XX/XX/XXXX. That show these accounts are not mine and that I was a victim of identity theft. 

Experian have claimed my FTC Report to be invalid EVERY TIME, no reason given than, your FTC Report does not fall under our blocking policy, they have refused to block the information on file under 605B of the FCRA and continuously dispute the information with the collection filer who inadvertently claim the account belongs to me but have seen no evidence that suggests otherwise. 

The account that the collection agency XXXX XXXX XXXX is collecting for is XXXXXXXX XXXX and is not on my file as of present, was verified as fraudulent. 

I disputed XXXX XXXX account back in XX/XX/XXXX and it was removed XX/XX/XXXX and it was completely removed from file, so the collection account is completely invalid, they refuse to block it at all times, it was once blocked on XX/XX/XXXX, for 1 day, and apparently then unblocked due to the creditor THE SAME DAY asked for it to be reinserted so that it was unblocked for less than 24hrs. 

As of XX/XX/XXXX, XXXX XXXX XXXX informed me that they were no longer proceeding with collection activities. So again the collection account is completely invalid and must be removed from file. A police report was filed and is on file with Experian. 

I find it absurd, and completely unbelievable as an account was blocked for 1 day and then magically the following day experian received notification from the filer to have the account placed back on file, there was no update from the company for over 25 days following that. I believe Experian did not follow procedure. 

They continuously ONLY dispute the accounts, despite me providing multiple letters that CLEARLY STATES THESE COLLECTION ACCOUNTS TO BE BLOCKED FROM FILE UNDER 605B OF FCRA. 

They tell me all my FTC report 's are invalid, and attach it to their dispute which goes nowhere, there is no update til up to the very last 3 days of end of dispute. Which states information is accurate. Its wrong, and they know it. I believe they are doing this deliberately and refuse to cooperate otherwise. 

So after 5 months of consistently refuting to block my information from file, they will not cooperate and I'm asking you to step in so that this information can be finally be removed from file as it shows in the documentation I have provided XXXX see attached ). 

XXXX XXXX XXXX - {$3600.00} opened XX/XX/XXXX Reported XX/XX/XXXX Was disputed 5 times XX/XX/XXXX - Closed Verified as Accurate XX/XX/XXXX - Closed Verified as Accurate XX/XX/XXXX - Closed Verified as Accurate XX/XX/XXXX - Closed Verifued as Accurate XX/XX/XXXX - Open, No Update XX/XX/XXXX Blocked from File : No Each time was verifued as accurate and quote " FTC report is invalid and does not meet blocking guidelines '' XXXX XXXX XXXX - {$19000.00} Opened XX/XX/XXXX Reported XX/XX/XXXX Was disputed 4 times XX/XX/XXXX - Closed, Verifued as Accurate XX/XX/XXXX - Closed, Verified as Accurate XX/XX/XXXX - Closed, Verifued as Accurate XX/XX/XXXX - Ongoing, no update XX/XX/XXXX Blocked from file : XX/XX/XXXX - XX/XX/XXXX Reinserted : XX/XX/XXXX This information has and is damaging my credit and caused closure on multiple accounts that I had held and have spoken to the company and they have confirmed that I did not confirm validity of the debt. I have provided multiple documentation to show I have submitted the FTC Report multiple times, with the correct information. There is no reason to say it is invalid. It's all excuses. ( See attached ). 

As of XX/XX/XXXX this information ALSO reported to credit bureaus to both XXXX  and XXXX  and the SAME DOCUMENTATION WAS SUBMITTED and was immediately removed from file. 

Please help me fix this information and have the accounts correctly removed from my experian credit file. 

I really need experian to take this ID theft seriously and to dispute this properly since they have failed to do so, each time. 

There is currently an open investigation submitted regarding both collection accounts listed above XX/XX/XXXX. 
Resolution date : XX/XX/XXXX Ref report No : XXXX

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