Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: FL
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:
After informing Experian of my case of Identity Theft, Me being a victim of XXXX and XXXX Data breach, My information floating the Dark-web, stolen wallets with my information in it and providing proof of my claim. I have requested in letter form and verbally for Experian to validate the inaccurate accounts showing in my credit file. I have requested for proof of the investigation tactics to verify the accounts and debts that they claim are mine for several years now. I have also requested for the remove of the inaccurate accounts, personal information, addresses etc. and they refuse to remove or show validation. I have spoke with the companies personally and in writing but I have not been able to get any help. I experience rude customer service agents repeating for me to send them police reports, notarized statements about my Identity theft claims with promises to remove the inaccurate accounts and other information from my file. I have requested for confirmation numbers and letters of the removal of the accounts. I was always told by the agents that it will be sent within a certain time frame. Yet, to this day I haven't received anything from them and the accounts are still showing in my credit file. Most recent Validation of Debt letters and Dispute letters sent on XXXX, XX/XX/XXXX. 
The accounts and information that is inaccurately showing in my credit file are as follows : Inaccurate Information 1. Personal Information- my name appears 4 different ways ( Name Id # 's that need to be removed- XXXX, XXXX, XXXX ) 2. Addresses- 3 inaccurate addresses that I never used ( Address Id # 's that need to be removed- XXXX, XXXX, XXXX ) 3. Phone Numbers- 1 inaccurate phone number that I have never used ( Phone number that needs to be removed- XXXX ) 4. Spouse or Co-Applicant- 1 inaccurate spouse or co-applicant ( Spouse or Co-Applicant that needs to be removed- XXXX ) 5.  Personal Statement Information- 1 inaccurate phone number ( Phone number that needs to be removed- XXXX ) 6. Accounts- 3 inaccurate/unauthorized accounts ( Accounts that need to be removed for non validation of debt- 1. XXXX XXXX account opened XX/XX/XXXX balance {$300.00} 2. XXXXXXXX XXXX   account opened XX/XX/XXXX balance {$0.00} 3.  XXXX XXXX XXXX account opened XX/XX/XXXX balance {$3000.00} Hard Inquiries- 4 inaccurate/unauthorized hard inquiry Hard Inquiry that needs to be removed- 1. XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX I did not apply nor did I authorize anyone to use my personal information to apply for the accounts and using any other fraudulent information to associated with my credit files. I have filed the necessary reports to prove my claim. I have applied numerous forms of protection to try to protect my identity following the Federal Trade Commission Report that I filed. I have joined XXXX to monitor my credit and personal information, I have applied Fraud Alerts and Credit Freezes to my files and I have or in the process of suppressing my files with the smaller bureaus that is also reporting inaccurate information in credit files. 
There should only be 3 accurate accounts on my report. The accurate accounts are as follows : 3 XXXX XXXX CREDIT CARD ACCOUNTS I spoke with a Rep/Agent at EXPERIAN on XX/XX/XXXX name XXXX last name not given. XXXX works in the Fraud Department he claimed that I needed to file another dispute after filing many before 1 as recent as XX/XX/XXXX and wait on the companies to respond. This to me is a stall tactic to keep minorities and the poor locked into debts that are not theirs after suffering Identity Theft/Fraud. These actions taken by Experian and the companies that are reporting this inaccurate accounts are causing me a single mother with a XXXX XXXX to face homelessness, denied for personal/business credit. 
I am a XXXX owned small owner that is trying to live my life on the right track. While trying to be a first class citizen working hard for my family and these debts that are not mine has caused my and my family many loses. It's a shame and out right disgrace that my reputation has been ruined due to the carelessness of XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, Experian and others. If these accounts are not remove I will have no choice but to file a lawsuit against all parties involved.

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