Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX I called XXXX and spoke with XXXX to file a fraud alert on my account after noticing several discrepancies on my credit report that I had recently pulled from all 3 bureaus. I also mailed a certified letter on XX/XX/XXXX to XXXX and on XX/XX/XXXX they responded to me with my results of their investigation which led to the discrepancies being deleted off of my report due to not belonging to me. On XX/XX/XXXX I sent a certified letter to XXXX and Experian to follow suit with XXXX  and remove the accounts listed I also enclosed a copy of XXXX investigation results so they can see it for themselves. However both XXXX and Experian responded on XX/XX/XXXX that they verified the accounts and the investigation was closed. I sent both XXXX and Experian another certified letter on XX/XX/XXXX asking for the accounts to be properly verified and to send me all documentation that they have in their files to justify their verification I also disputed the following inaccurate accounts and stated to XXXX and Experian, If they do not have any documentation in their files to verify the accuracy of these disputed accounts then to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. On XX/XX/XXXX Experian responded that they will not reinvestigate the accounts due to they were verified under the FCRA 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. Yet they have not sent me any information showing that the accounts are verified. I know my rights and in the paperwork they sent me it clearly states that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted within 30 days reciept of my letter which neither XXXX or Experian bothered to do. I would like the following accounts to be DELETED IMMEDIATELY from XXXX : XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, ALL XXXX XXXX XXXX Accounts .... The following accounts to be DELETED IMMEDIATELY from Experian : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX , XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX, ALL XXXX XXXX XXXX accounts. Both XXXX and Experian are damaging my credit worthiness and reputation by publishing inaccurate information. I have disclosed both proof that XXXX properly verified the accounts and deleted them due to inaccuracies, also proof that Experian and XXXX violated my rights under FCRA failed to properly verify and deleted the information even once I sent the proof from XXXX that they were investigated and removed. I am submitting this complaint due to the lack of investigation on my first two original disputes with XXXX and Experian. This is unfair practices by a credit reporting agency with no concern with no concern for the credit worthiness of a consumer.

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