Consumer complaint received 2020-10-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX XX/XX/2020 RE : Experian Identity theft reporting To whom this may concern : 1 ) In XXXX of this year, I discovered a number of accounts, that I did not open or authorize, were being reported on my credit file, that Experian maintains under my social security number. As a result of my private information being abused, I am a victim of identity theft. These accounts were opened fraudulently.

2 ) I filed a police report, filed a complaint with the FTC, and got a signed and notarized affidavit to mail to the credit bureaus, as well as to each individual company. I mailed ( and continue to ) repeatedly all these documents along with proof of my identification to the companies, as well as Experian. 

3 ) Initial dispute letters were sent. ( FCRA-notice to furnisher rule was attached ) 4 ) Follow up re-investigation/validation request letters were also sent pursuant to FCRA rules. ( appropriate rule was attached ) 5 ) Fraudulent accounts would be removed from my credit report, and then I would review my credit report again, and notice that accounts were being placed back on my credit report, with-out notifying me with the proper notice of re-insertion.

6 ) I would than follow up with a letter ( s ) stating that this was a violation of FCRA rules, ( and attach the appropriate rule to the letter ) a violation of my rights, and the fraudulent account needed to be removed from my credit file, due to negligence of not notifying me of reinserting fraudulent accounts to my credit report.

7 ) I continue to receive letters stating that the furnisher ( s ) has  verified the fraudulent accounts. To date, I have not received from data furnisher or Experian letters of validation of any debt, procedure used, individuals contacted, methods use or even the contract whereas I approved these accounts.

8 ) Due to the fact that all of these accounts had partial account numbers, which was also addressed with Experian and letters stating that this was also a violation of FCRA Rules this was never corrected, and no follow up notice was provided to me. This is concerning, as how is a company, and Experian validating a debt with missing account information, such as a full account number? However, I have received letters from Experian that these companies were validating fraudulent accounts.

9 ) Before being advised of my rights as an identity theft victim, I paid on an account that wasnt even mine, nor did I open it. However, that company continues to validate this debt with Experian, but neither Experian nor the company will send me how they validated the debt, the contract allegedly signed by me, procedure used to validate the debt or even statements, which isnt enough proof to validate a fraudulent debt.

10 ) I have continued to provide all identity theft documentation requested, only to be stonewalled with letters of delays stating that Experian would be sending letters to the company and it would take and additional 30 days.

11 ) I have called Experian many times only to be left on hold for almost an hour or transferred 6 to 7 times before I can even speak with an agent. I have called to make sure that they are receiving all of my documents, as some of their letters state they have not  received my documentation. When I have spoken with representatives, they have all confirmed that all required documentation had been received numerous times and their own representatives would advise me to send the documents again to be safe, which I subsequently have done repeatedly.

12 ) I previously submitted complaints to your company regarding my concerns with erroneous information being reported. When your company reached out to Experian their response was dishonest, disingenuous and further stated incorrect information, details and facts. Your company would close out the complaint based on these disingenuous responses.

13 ) Further, upon reviewing my Experian credit reports, incorrect names, names that I have never legally gone by, incorrect addresses, were listed on my Experian reports. I have had to send many letters requesting this inaccurate information be removed from my report and updated with the correct information. Experian to date has names listed on my report that I have never legally gone by as well as addresses I have never lived at.

The following fraudulent accounts are still being reported on my Experian credit file and all I want is to have them removed from my credit report, as this is impacting my life. The continued negligent enablement of identity theft, by Experian is causing great harm and, in some cases, irreparable.

As stated previously I have also contacted these companies directly, via letters and have provided all of them with the required documentation and identification a number of times.

Unfortunately, due to the fact that I am provided with only partial account numbers, this makes things extremely difficult.

For your review, I have copied and pasted below exactly how the accounts in question are being listed on my credit profile with Experian.

Your immediate assistance in this matter would be greatly appreciated. 



Sincerely, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX. ( reinserting back on report ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation