Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The following account is not mine XXXX XXXX Account Number : XXXX emove for violation 2. I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
3. creditor failed to correct or remove this account. They also did not respond to my dispute so how did you verify XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX XXXX XXXX   Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
8. The date of last payment in other credit bureau is missing XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. unknown collection XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
11. There are multiple errors in the listing that are damaging to me including balance payment status and a date of last payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
13. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
15. Collection/charged-off it doesn't shows past due amount XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
16. what was the method of verification I do not believe there was an investigation on this account XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
17. you have a different date listed on the date of first delinquency than the other bureau listings and this account is required to report accurately XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

FOR Experian 1. The following account is not mine XXXX XXXX Account Number : XXXX emove for violation 2. I'm aware that section XXXX states that you are required to send me the copies of documentation that I filled out XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
3. creditor failed to correct or remove this account. They also did not respond to my dispute so how did you verify XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX XXXX XXXX   Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
8. The date of last payment in other credit bureau is missing XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. unknown collection XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
11. There are multiple errors in the listing that are damaging to me including balance payment status and a date of last payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
13. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed If the collection agency didn't send me anything where are you getting the signed contract from XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
15. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
16. you have a different date listed on the date of first delinquency than the other bureau listings and this account is required to report accurately XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
17. what was the method of verification I do not believe there was an investigation on this account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

FOR XXXX 1. The following account is not mine XXXX XXXX Account XXXX : XXXX emove for violation 2.  I'm aware that section 609 states that you are required to send me the copies of documentation that I filled out XXXX   Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
3. creditor failed to correct or remove this account. They also did not respond to my dispute so how did you verify XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX XXXX XXXX   Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
8. The date of last payment in other credit bureau is missing XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. unknown collection XXXX Account Number : XXXX How can there be a past due on this collection? Delete this unverified and inaccurate account. 
11. There are multiple errors in the listing that are damaging to me including balance payment status and a date of last payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
13. I don't know what this is - please remove this unverified account unless you can furnish a signed contract XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
14. once an account is closed there should be no activity after that date please delete for inaccuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
15. Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed If the collection agency didn't send me anything where are you getting the signed contract from XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. reported late payments after this account was closed - remove this account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
17. Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact if you don't have the signed contract please delete this acco XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately. 
18. you have a different date listed on the date of first delinquency than the other bureau listings and this account is required to report accurately XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

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