Consumer complaint received 2018-09-30
Company: Experian Information Solutions Inc.
State: MO
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:
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX. Received notification on XX/XX/XXXX by XXXX  ID monitoring that new Collection has appeared on Experian Report. Collection shows XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. Contacted on XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. CSR was unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. Contacted Experian to make sure was properly disputed as well as to place a fraud alert on my account. Was told by Experian that XXXX XXXX XXXX, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with Experian as I have lived at my current address for 6 years and have never had the alias XXXX XXXX XXXX. Experian dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted Experian to redispute. Experian states that XXXX XXXX XXXX has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with Experian on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and had a similar issue in the past. Concerned that XXXX is using information contained within XXXX breach to attach a debt for XXXX XXXX XXXX, that has a similar name to mine, to my SS #. Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that XXXX is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.

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