Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX, I wrote and sent multiple dispute letters to each credit bureau to remove negative accounts from my credit report due to identity theft/fraud, but the credit bureau has either failed to remove the accounts or removed some and not all.

They have not completed their investigations thoroughly and promptly. Today as I am making this complaint, I've sent another dispute letter to each credit reporting agency to complete another investigation to remove the fraudulent accounts. 

On XX/XX/XXXX, I sent a letter with the following complaints to XXXX : XXXX XXXX Credit Card with account # XXXX was opened on XX/XX/XXXX and has a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and had a balance of {$560.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. 

-Collection account from XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

On XX/XX/XXXX, I sent a letter with the following complaints to XXXX : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and had a balance of {$710.00}. This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. 

-XXXX  account with account # XXXX opened on XX/XX/XXXX and had a balance of {$0.00}. This account is incorrectly reporting that I have 7 late payments. On my Experian report, there are 5 late payments being reported. 

On XX/XX/XXXX, I sent a letter with the following complaints to Experian : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$150.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX  Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and had a balance of {$560.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and had a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and has a balance of $ XXXX previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

-Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$380.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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