Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX has been reporting a debt to the credit bureaus in my name and on XXXX, they are reporting the same debt twice as XXXX XXXX XXXX XXXX for the amount of {$420.00}. I have been disputing this debt since the beginning of XX/XX/XXXX. Lets focus on XXXX. One of the accounts is reporting as opened on XX/XX/XXXX and the other account is showing opened on XX/XX/XXXX. I complained about these inaccuracies and fraudulent activity multiple times via the CFPB, XXXX XXXX XXXX XXXX, and the XXXX Attorney Generals office. XXXX responsed to me with a Fraud Alert packet to fill out and I sent in my packet with everything the packet required which included two bank statements that showed that my physical address was in XXXX  during the time theyre stating the debt was made in XX/XX/XXXX-XX/XX/XXXX. When XXXX received my packet, I got a call from someone who stated that I needed to send more information proving fraud which was not asked for in the packet. I asked XXXX  to show me what they have to prove that I am liable for the debt and they could only provide billing statements which are not proper debt validation according to the Federal Trade Commission. XXXX  could not provide any documentation showing that I signed for the debt. XXXX  showed no documentation of my ID cards. I refuse to pay a debt that is not mine. XXXX   was given proof that I lived in a completely state but they refuse to follow Federal Law by removing this debt from my files. XXXX has caused me to miss out on job opportunities because I couldnt pass credit checks. XXXX  has caused me to not be able to purchase a car to bring my mom to her medical appointments. XXXX is reporting different information to all credit bureaus and they are aware of these inaccuracies. I sent the inaccuracies to them via email communications with XXXX XXXX who works in customer service for XXXX and she forwarded to the collections department. XXXX is trying to intimidate me into paying a debt that is not mine. XXXX  is misrepresenting my true credit history by providing information they are aware of to be no mine. XXXX is a bully. XXXX is being willfully negligent by knowing of this fraudulent debt and still continuing to attempt collections by reporting to the credit bureaus. XXXX does not care if the debt was made through identity theft. When I provided proof of my physical address for the dates they requested, that should have been enough for them to see that I could not have obtained their services from a completely different state. My financial situation has hindered me from hiring an attorney but now that Ive saved up, I can now proceed in filing a lawsuit to acquire reparations for damages caused by XXXX blatant disregard for federal law and damages caused by the credit reporting agencies especially XXXX for continuing to report the XXXX XXXX XXXX XXXX accounts twice when the accounts have different information for the same account number. Experian and XXXX  have constantly proven their laziness and poor investigative processes because if a human being combed through my file and did not use software, they would see the discrepancies in the reporting of XXXX XXXX XXXX XXXX on my report. The federal law states that using a computer software program like XXXX  is not proper investigation. If a human being actually dig deep, they would have found that XXXX  is aware that I was physically living in a different state at the time the debt was made. I provided XXXX with information that showed the debt was fraudulent. XXXX could not provide to me any documentation besides billing statements which are not valid. If I have proof that I was physically living in XXXX  during the time of the debt, why is that not enough to show that this is a fraudulent account and that attempts to collect the debt from me are violations of the Fair Credit Reporting Act. Matching a name, social security number and address in a computer system is not an investigation. Experian and XXXX have both failed to disclose to me what they have on file to validate the XXXX debts. XXXX could not verify the debt and they deleted the account. I asked both Experian and XXXX  multiple times via certified letters with my ID and SS Card and notarized signatures to verify the debt and to tell me exactly how the debt was verified but both companies only opened disputes and closed them as verified without providing to me the information they have in their files to validate the debt. The fact that they did not provide any information to me after I demanded as my right per federal law they show what they have to validate the debt shows that Experian and XXXX  are in violation of federal laws.

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