Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: FL
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:
I have been attempting to get my credit report corrected since XX/XX/XXXX and the credit bureau has continued to claim they investigated but always claim verified as accurate, when i cant even get the furnishers to respond to me at all bc incorrect addresses for most on my credit. Several items i have disputed with other agencies and they removed the items bc they were inaccurate, older than 7 years, obviously not mine, or obvious errors like a 1,000 student loan obtained on a date that ive sent documentation showing every student loan ive ever obtained and none were on that date for that amount, instead of removing it they verify as accurate and update obvious errors like all my dept of education loans show original amount of 1,000 but then show that most recently it was 9,000 owed on that 1,000 loan ... 6 department of education loans all reported incorrectly, incorrect original amounts, bc they were not all originally 1,000. Only 2 of them were a 1,000. I currently  dont owe XXXX any money bc they were transferred to department of education and i owe them all 6 {$0.00} and its still being reported as unknown or past due with balances. I currently have consolidated all my student loans and all previously reported accounts, all10 of them by 3 different servicers should show {$0.00} balance owed, should all show paid and closed. Kentucky higher education, 3 loans left on my credit show failed to pay during XX/XX/XXXX but they got 7,000 in  payments from me but that isnt reflected, and they are reporting incorrect original loan amounts, original opening loan dates, and still wont remove. XXXX XXXX  is a XXXX account from XX/XX/XXXX that i have been disputing for years bc its not mine, and they will not respond to any requests for validation and now on something i received from credit bureau says original amount owed was 12,000 ... XXXX   has already removed it from my credit report but experian refuses. XXXX XXXX XXXX has an old address on my credit so my requests for validation on 2 alleged medical debts havent made it to them yet but some how experian validates them as accurate and ive never heard of the company they said i owe and didn't live in that state at that time. XXXX XXXX had 3 accounts on my credit for capital one credit cards, 2 of them from XX/XX/XXXX and 1 from XX/XX/XXXX.. 1 has been removed and the other 2 im filing an identity theft report bc they arent mine and have provided nothing but old bills to addresses i didn't live at during the dates on statement but some how experian verified as accurate but my name is different on both and different states on each.. but let my current credit cards get {$1.00} over limit and its reported immediately but cant report anything else accuate and complete..my name has been changed for over a year and still reporting XXXX XXXX Not XXXX XXXX. And i pay them every month a membership fee and any other time i need an updated credit report and score..i have a security freeze and fraud alert and anything else to prevent inquiries bc i haven't authorization to anyone but i see another one recently and no one called to see if i aporoved it or not..im trying to buy a house and my credit report is so inaccurate and incomplete, that i appear that i owe way more than i do and i have not missed any payments on any accounts in a year or more but they keep letting debt buyers on debts i cant validate bc wrong address on credit report add new things to my credit that appear recent that arent mine or are way out of statute of limitations and keep verifying as accuate. I have 2 pages of old addresses that looks like one big mixed file, still wont remove them..they have several variations of spellings for my names, and since ive been a victim of identity theft multiple times, and was one harmed by the XXXX data breech , i would think it would be obvious XXXX female XXXX would be incorrect and should be removed as inaccurate.

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