Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
I have been battling with Experian and XXXX Credit reporting agencies since XX/XX/XXXX. I have contacted them via phone and through writing to let them know that there are accounts on my credit report that I DO NOT RECOGNIZE AND THEY DO NOT BELONG TO ME!! I have not made any payments to these creditors, I have not received any mail from them, and I have not received any type of payment statement on behalf of these creditors, so I know for a FACT that these accounts do not belong to me! The representatives from the Experian and XXXX told me to file an official FTC report to aid in the removal of this inaccurate accounts and I have sent Experian and XXXX a copy of this report. Every time i send Experian and XXXX a dispute letter they respond to me saying the accounts have been verified, so i would like to know how they are verifying these accounts?? Who are they speaking to? and what proof can they provide to me to establish my ownership of these accounts?? Because I have personally contacted these creditors requesting proper validation and I have received NO RESPONSE, so how is it that Experian and XXXX are able to verify the validity of these accounts a day later? Seems very suspicious and ILLEGAL! 
Lets not forget their non-compliance with FCRA Laws, which I have been spending my time researching! Misleading False Reporting : These accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
Generally credit bureaus like XXXX, Experian, and XXXX -- in violation of 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) -- fail to follow reasonable procedures to assure maximum possible accuracy of information that these CRAs report about consumers, mixed and merged credit files have been a well-recognized and frequently prosecuted problem for decades. Recently, The New York Attorney General filed charges and settled claims withXXXX, Experian, andXXXXconcerning, among other issues, the prevalence of mixed files.The settlement agreement between the New York Attorney General andXXXX, Experian, andXXXX dated XX/XX/XXXX, is more than enough reason for you to remove these accounts! 
I am here writing to you a government agency to respectfully ask for you help in removing these accounts from my credit reports. They are detrimental to my credit health and are causing me great financial and emotional distress. As an XXXX XXXX Military Member I hope that I can receive assistance from the government that I so humbly serve every single day. I do not think reporting false information on any consumer is fair let alone a military member who gives up their life for this country. I hope that you can hold these Credit reporting agencies accountable for their non-compliance and for inaccurately reporting on my credit reports. I have included ALL letters I have sent to Experian and XXXX for your review. I am making this final attempt prior to filing an official lawsuit against Experian and 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