Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: NY
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:
I am a victim of Identity theft. I obtain my credit report for Experian, and I try disputing all the negative items that is being reported on my credit files and yet Experian is giving me a hard time to dispute these allege debt that are reporting negatively on my credit files. I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting Chase card, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX credit card as negative items or deragatory items on my credit report. These items are being reported as as deragatory or negative item and I want all these negative items that is being reported on my credit files to be Removed as I am a VICTIM OF IDENTITY THEFT. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit. I call experian and spoke to a rep name XXXX who advise me that they dont investigate when someone sends a dispute, they sent the dispute to the company and let the company investigate. They dont require any documents from the company to show what is reporting is accurate. I want experian to properly investigate the dispute without bias and prejudice. I feel like Experian is maliciously reporting negative item so that they can continue to make money from these so call companies that they are suppose to be investigating. I WANT PROPER AND ACCURATE VALIDATION OF THE NEGATIVE ITEMS THAT ARE BEING REPORTED. OTHERWISE I WANT ALL THE NEGATIVES TO BE REMOVE FROM MY CREDIT FILES.

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