Consumer complaint received 2018-03-04
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:
On XX/XX/XXXX I discovered my identity had been compromised. I notified XXXX, XXXX, and Experian in writing via certified mail that I suspected my identity had been stolen. Each Bureau placed a fraud alert on my credit reports. I began asking the Bureaus to validated the questionable accounts so that I could better investigate the source of where these accounts generated from.I suspect an individual that was a roommate for many years.What I have encountered is great difficulties and resistance! The bureaus would respond with only updated comments on the accounts.XXXX ignored a dispute letter completely never even bothered to answer it. Claims of items being verified yet never providing proof of original competent evidence.I quoted the Federal law in my letters and the statues and still, I have been met with resistance. XXXX   deleted the questionable accounts but even when I provided Experian and XXXX  with evidence that the original grantors could not validate the debt neither agency has deleted the unvalidated information.My request for a free credit score was met with a letter to pay for my credit score. I sent a letter informing the bureaus ' that false personal information is in my reports. Providing them with notarized accurate proof of my name, address and social security number the false information remains. I have handwritten letters, used blue ink in the letters. Tried using different verbiage in each letter I sent so that they would be acknowledged and read. I updated the police report today that I filed in XX/XX/XXXXand added the accounts but it doesn't help in catching the person responsible. Original signature documents would help bring clarity to this situation. It is extremely frustrating to experience such an ordeal and be subjected to endless hours of research, letter writing not to mention the astronomical expense of sending all of these letters certified registered with return receipt. Hours lost from work to be able to stand in line at the Postal office. I never knew the Credit Bureaus were the enemy. I naively believed they were to protect the consumer. What an unfortunate and salty wake-up call! The following listed accounts are a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX account # XXXX Telephone number ( XXXX ) XXXX The charge-off amount is for {$11000.00} I requested proof of the original loan application, this car was either returned or repossessed well from where? by whom? what are the {$11000.00} for? If this car was sold where are the documents? Did a reinstatement letter go out? where was it mailed to? I was not even in this country when this all happened so it is my right to ask and instead I was ignored and told my request was frivolous. Interestingly they are not even pursuing me for the money. I mail them three written request in addition to the four additional  letters mailed to each of the Bureaus. I have signed certified proof! 15 letters yes 15 letters sent certified registered return receipt requesting help, requesting validation. For the sum of {$110.00} in postal fees just to address XXXX XXXX XXXX. How can the bureaus break the federal law and expect the consumer to be victimized by the agency that is supposed to protect you? The following agencies are all reporting the same account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX clear violation of the HIPPA law. I requested from this agency that they provide the XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MI XXXX Reference ID # XXXX Account # XXXX The amount is for {$71.00} The next account is XXXX XXXX XXXX account # XXXX originated in XX/XX/XXXX this account is way over the statute of limitations for the state of Florida and this agency sent as proof a generated bill with the persons medical information on it. The person was treated for a laceration and all of the details were in the statement. ame of the original grantor, the date of medical service and a copy of the HIPPA release form. I have patiently been trying to fix this situation now for 4 months. I am asking you for help I do not know what to do except file a lawsuit against the bureaus and the collectors. Something must be done. If this is happening to me I am sure it is happening to others. The system is in need of repair.

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