Consumer complaint received 2020-08-04
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:
I was a victim of Identity Theft and Fraud. A woman that I lived with for about a year told me she would help me pay bills and take care of my finances. Instead she was keeping the money for herself instead of paying my XXXX XXXX XXXX  and My XXXX Student Loan. She then stole my identity an opened a XXXX  XXXX XXXX XXXX that she never paid and then filed 3 separate bankruptcies in my name to cover everything up. When I found out about this I immediately contacted the courts and presented the evidence that I did not file the bankruptcies. I then contacted all three credit reporting agencies to let them know about the Identity Theft and Fraud starting XX/XX/XXXX and they basically ignored me. So I sent all three letters again on XX/XX/XXXX and included the documentation that proved the accounts and the bankruptcies were fraudulent and still they did not delete them. They kept saying they verified the accounts. A hearing was set for XX/XX/XXXX and the judge dismissed all three bankruptcies and designated all three of them as fraudulently filed. So I then contacted the creditors and collection agencies that were reporting the information to the three credit reporting agencies and sent them the documentation and proof from the courts that these accounts were fraudulent and they did nothing. XXXX XXXX has given me the biggest run around and just sends me the same letter over and over stating they want more information which I send them over and over and the collection company XXXX  XXXX that is trying to collect for the XXXX  account just ignores all my letters. So them on XX/XX/XXXX I again, sent letters to all three credit reporting agencies, XXXX XXXX, XXXX   and Experian explaining these accounts and bankruptcies were fraud and sent them the judges orders that dismissed the bankruptcies as fraud and still nothing. I went as far as to contact XXXX who I found out is where the credit reporting agencies get the Bankruptcy information from and disputed the bankruptcies with them. I also sent additional letters to XXXX XXXX, and XXXX  XXXX hoping that everyone would get on the same page, look at the judges orders, and remove the fraudulent information from my report and still NOTHING! Again I disputed the fraudulent accounts and bankruptcies with the Credit Reporting Agencies, XXXX XXXX, XXXX XXXX on XX/XX/XXXX, then again on XX/XX/XXXX and still NOTHING. Then XXXX informed me that they deleted all the bankruptcies because they were fraudulent. So on XX/XX/XXXX I again disputed the bankruptcies with all three credit reporting agencies thinking well now since their source XXXX deleted them that they would finally delete them because they could not verify them! Unbelievably that was not the case, all three said they verified the bankruptcies and continued to report them even though they were fraudulent, had judges orders and could not verify them with XXXX. So, in a last ditch effort, I sent all three credit reporting agencies a letter on XX/XX/XXXX stating that I was going to file a complaint with the CFPB if they did not remove them from my credit report because they were violating my rights and violating the Federal Law. Today, I checked my credit report because they do not respond to my complaints anymore which I read violated the Fair Credit Reporting ACT that they have to send me a response in the mail within 45 days, they never do, but I checked me report an here 's what I see XXXX XXXX deleted all three Bankruptcies but not the fraudulent accounts, XXXX  only deleted two bankruptcies but still is reporting one and the other fraudulent accounts and Experian did NOTHING. SO today I am writing this complaint after trying for over a year to clear these fraudulent bankruptcies and accounts off my credit report and not having success. Although I'm happy that XXXX  finally deleted them and XXXX  deleted 2 out of the 3, I am not happy that Experian did nothing and continues to violate my rights and break the law. The law clearly states that they have to investigate, verify and respond and yet Experian just send the same form letter saying that they certified with XXXX that they are verified and true which is IMPOSSIBLE because XXXX deleted them in XXXX! How do these corporations get away with breaking the law and violating consumer rights? Why isn't Experian held accountable? How can they continue to report fraudulent bankruptcies and accounts on my credit report for over a year now which has sunk my credit scores and ruined me financially? They simply do not care about consumers and the damage they are doing by not complying with the Federal Laws, Laws that were put in place especially for these types of situations.

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