Consumer complaint received 2019-05-12
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX : EXPERIAN REPORT # XXXX EXPERIAN DISPUTES XXXX. BOX XXXX XXXX, TX XXXX I have written in repeatedly to not only Experian, XXXX  and XXXX but spent an enormous amount of money sending out certified letters with bulk documents including signed and notarized affidavits from the companies that you still have listed on my credit report as negative accounts. I have signed affidavits for the XXXX BLAZE ACCOUNT and have sent in copies of it as well to your company. Also, I have disputed The XXXX/XXXX XXXX account and have sent in to them a police report as well as an Identity Theft Report. I am still waiting for their affidavit to be sent to myself to be signed and returned. The JOINT account with XXXX XXXX Bank is a result of Identity Theft and I have not only reported it to The FTC Consumer Response Center, The Attorney Generals Office, wrote directly into them, made a police report and sent it in, but I have disputed this account several times via the phone, the credit bureaus and the company itself. I did NOT OPEN this ACCOUNT and want it to be removed from my file immediately. As far as The XXXX BANK XXXX ACCOUNT, this account had belonged to my XXXX mother. She was the cardholder and had added me without my consent, as an authorized user as I had later found out. I am not obligated to pay her charges and consider this as well, TO BE IDENTITY THEFT. 

Furthermore, I did have an account in good standing with XXXX XXXX XXXX. I was never late and the debt was paid in full and on time. I noticed that it showed a 30 day late payment in XXXX of XXXX. I have disputed this because that never happened. No payment was ever missed, NOR LATE. I have tried my best to keep my credit in check and I can not help if others have interfered and have taken from me what I have earned but please lets work together to get this right. However, please let me bring your attention to the newest fraudulent account that just randomly appeared recently on credit report and that is XXXX/XXXX. I have a not a clue what this is and I am disputing it. 

Not only are the above accounts mentioned in dispute, my personal information is also misinformed as well and furthermore, since my identity has been compromised, first off, all of my security questions need to be changed. The person listed as XXXX, in addition, needs to be removed as a listed spouse. I havent had any relations with a man since XXXX and I have no spouse. Secondly, I have asked Experian to please remove ( XXXX ) XXXX and ( XXXX ) XXXX as contact numbers because they are indeed, incorrect phone numbers. I do not even know where the ( XXXX XXXX number came from. Furthermore, since I have not applied for any credit lines in some time, I have asked Experian to please remove all hard inquiries dating back from XX/XX/XXXX and I have also informed them that I will be contacting again, not only THE FTC, Consumer Response Center Fraud Division, The Attorney Generals Office but also your company, The Consumer Financial Protection Bureau since Experian fails to comply with the law and fails also to respond to my identity theft complaints, provided evidence, signed affidavits and police reports. The Post Office is becoming to know me personally by name, because I have been in their office regarding this matter so many times and Im tired of dealing with time consuming and stressful matters that didnt involve any fraudulent activity on my part. 

Sincerely, XXXX XXXX XXXX XXXX

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