Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: AZ
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 applied for a personal loan in which I was declined so I checked all 3 of my bureaus. I have discovered on my XXXX report there are 3 accounts that are negatively impacting my score in which I have repeatedly contacted the customer service department for assistance. I have also been the victim of identity theft in which they are aware of but will not assist me with the other incorrect damaging info. I have disputed the info and called in to customer service and spoke to XXXX on XX/XX/XXXX. I was informed that my report has been verified but I haven't received any information to validate any of the inaccuracies. XXXX XXXX is listed closed with the wrong ending amount, I am unaware of XXXX ( XXXX XXXX XXXX ) and have no financial agreed obligation to this company. Also XXXX XXXX has report late payments and a wrong closing total which I've been trying to dispute and update. 
It is my hope that CFPB will assist me with getting these three accounts deleted due to XXXX 's in ability to assist me with up dated and correct information on my report.

Also on my XXXX, I have discovered 2 accounts and 1 inquiry that are negatively impacting my score as well in which I have repeatedly contacted the special handling department for assistance. They have been made aware also that I have been the victim of identity theft. With this information they only deleted inquires but were not able to assist me with the other incorrect damaging info. I have disputed the info and called in to special handling department and spoke to XXXX on XX/XX/XXXX. She informed me that the report has been verified as well but once again I haven't received any information to validate any of the inaccuracies. XXXX XXXX is listed closed with the wrong ending amount and I am unaware of XXXX XXXX collection which is a violation of my Hippa rights and I had insurance. I have no financial agreed obligation directly to this company as well. I contacted the collection agency and they couldn't produce any documentation except my name, address, date of my procedure, which is private and confidential. The inquiry was from XXXX ( XXXX XXXX XXXX ) I do not have any accounts with them and I haven't given them authorization to pull my credit. During this time, I have contacted the XXXX Police Dept. regarding the identity theft ( inquiries ) and they could not help since I didn't know who and when. 


Also on my Experian, I have discovered 3 accounts that are negatively impacting my score as well in which I have repeatedly contacted them for assistance. I spoke to. They have been made aware also that I have been the victim of identity theft. With this information they only deleted inquires, addresses and phone numbers that I had no knowledge of but were not able to assist me with the other incorrect damaging information. I have disputed the information and called into customer service and spoke to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX. Both informed me that the report has been verified as well but once again I haven't received any information to validate any of the inaccuracies. XXXX XXXX is listed closed with the wrong ending amount. I am unaware of XXXX ( XXXX XXXX XXXX ) and have no financial agreed obligation to this company and I am unaware of XXXX medical collection which is a violation of my Hippa rights and I had insurance during time of this procedure. I have no financial agreed obligation directly to this company as well. I contacted the collection agency and they couldn't produce any documentation except my name, address, date of my procedure, which is private and confidential.

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