Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: PA
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 filed a complaint against Experian with you ( CFPB ) once already in XXXX of XX/XX/2020. You did not do anything to help resolve the matter. Experian blocked the complaint by saying they could not verify my identity and would not accept the complaint. And oddly, you did nothing to help counter that ridiculous claim. So the complaint stalled. I am reaching out again to ask that you help force Experian to properly validate items on my credit report, or delete them immediately. I attempted to resolve this multiple times prior to the attempted XX/XX/2020 complaint, and have made many more attempts since XXXX. Experian simply ignores the request as stated. I have been requesting items on my credit report be validated with original consumer contract documentation. I am requesting this item for both accounts because these accounts do not belong to me. I believe a credit file mix up occurred. If XXXX XXXX XXXX or XXXX XXXX could provide original consumer contract documentation with my signature, or an equivalent, then the matter could be closed. However, I have written to XXXX XXXX XXXX and XXXX XXXX directly multiple times, and they avoided addressing this matter, or ignored it all together. If an original consumer contract can not be provided, than this account can not be validated as belonging to me. If it can not be validated as belonging to me, than it would be fraudulent and inaccurate to report it as belonging to me. Therefore, these items need Deleted Immediately. 
Experian continues to " Update '' these items on my Experian credit report, despite the fact that neither creditor has provided the necessary documents to validate that these accounts belong to me. Credit Bureaus XX/XX/XXXXand XX/XX/XXXXhave deleted these items. Experian, however, does not. It appears to be complete negligence regarding this matter of the part of Experian. And it has become completely unacceptable. In addition to illegal under the Fair Credit Reporting Act. 
In addition to Experian 's negligence on the matter, they failed to respond within 30 days when I sent a request on XX/XX/2020. That alone is a major violation of the FCRA and the items in question should of been DELETED IMMEDIATELY. However, Experian did nothing and faced no consequences. 
Attached to this complaint is evidence of these items being deleted from both XXXX  and XXXX. More importantly, there are letters from XXXX XXXX ADMITTING they have no documentation on file to validate who opened the account in question. Also attached is documentation from XXXX XXXX avoiding the request entirely by submitting account statements in place of original consumer documentation contracts. I have been asking for validating documents for over a year! 
The First attachment is letters to and from the creditors directly in the last 60 days. You can see XXXX XXXX admit they have no validating documentation as to who opened the account in question. You can see XXXX XXXX XXXX deflect the request and respond with no evidence to satisfy the request. The second attachment to this complaint is a handful of letters XXXX sent in the past year to resolve this matter. The Third attachment is Letters sent to XXXX  XXXX and XXXX XXXX XXXX at the beginning of 2020. The Fourth attachment is the 2 letters sent to Experian in XXXX and XX/XX/2020 relating to Experian failing to respond or act on my request within 30 days. They ignored me completely. 
This has gone on for too long. These items need deleted immiediately. The evidence speaks for itself. Neither creditor can validate these accounts with proper original consumer contract documentation. They have had multiple chances to provide it and have failed. These accounts are not properly validated as belonging to me. Therefore, it is fraudulent to continue claiming they belong to me and need deleted from my credit report immediately.

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