Consumer complaint received 2019-07-09
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:
Ive had a charge off with XXXX XXXX credit card thats been on my credit report since XXXX. Problem is, not only do I not know how this account got on my report, but neither does XXXX! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes Experian keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me ( and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the one reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and Experian continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.

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 non-monetary relief