Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: TX
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 a real person with federally protected consumer rights under FCRA. Please respect the law and apply it in fairness, and not malice to hurt me by retaining inaccurate information. 

XXXX, XXXX, and Experian XXXX XXXX is proven to be a fraudulent account. When you just routinely send a request to them via XXXX they just send you a verification message all the while knowing that they sold this fraudulent account to another company call XXXX XXXX. This company also has all the evidence that the account is fraudulent and now mine, but they refuse to respond. XXXX keeps sending me a letter saying I should contact XXXX XXXX. This company does not respond to my complaints, emails, nor mail. I am not even sure its an active company. XXXX has trapped all of us in a verification loop for this fraudulent account. This is very unethical and even fraudulent on their part. This is not my debt and this account must be deleted! 

You all clearly have not performed a proper investigation and are violating my FCRA1 5 USC 1681e protected right to Maximum Accuracy! You are also not compliant with Metro 2. Nor do you have my written permissible use to be reporting this information as required by 15 USC 1681b. The reports on this accounts are full of inaccuracies. 

Please provide written explanation of your research/ investigation with detailed contact information and timestamps. Explain why I had to use my own time and money investigating this and you all failed to do so. Please answer the question, do you have written authorization from me to report this info? Do you believe that I have a right to accurate and fair reporting or do you just accept what a your information system says and consider that a real investigation? 

Your reports are incredibly inaccurate. Here a few of the obvious inconsistencies that prove that you all should just delete the fraudulent account! 

Experian says that the account was paid XXXX and XXXX of 2022 then was late XXXX through XXXX. However it reports that the last payment received was in XXXX of 2022 as well. How can a payment be received in XXXX and also not be paid? 
I have never paid this account because it is not mine! I am not sure whats happening but I am sick of dealing with this. 

XXXX says only a payment was received in XXXX and then reports XXXX through XX/XX/2022 as late! This is too easy to see that there are inaccuracies. I am not sure what you all are doing when you say you investigate things, Its clear that you all are not sincere, you only seem to try to accept any message from the alleged creditor so you can maintain inaccurate reporting. Its quite strange. 

Again I have never paid this account because its not mine! I am not just giving some company my money because they have a record saying I have an account with them. This is crazy! 

Please delete this fraudulent account, or provide and explanation for why you choose to violate my rights. Your response will be used by my attorney in the courts. This has gone on for months causing me severe anguish and devastation to my health, and ability to sleep. Keeping this has prevented me from growing my business and getting medical treatment I need. 

Please stop wasting everyone 's time. Just delete this record. I am a XXXX percent XXXX combat veteran, I don't need more problems.

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