Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: TX
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:
While trying to fix this urgent issue as a consumer in which has damaged my ability to provide for my family and causing significant Hardship comes as followed the complaints outlined below with XXXX : XXXX associated with XXXX XXXX with account number XXXX The account was brought up as fully paid and or no longer exist due to more than 7 years reported. XXXX sent a Letter on XXXX XXXX on regards of me paying off XXXX Loans associated with accounts they claim I owe. These accounts are well over there age limit. While exercising the FCRA as a consumer, I asked the company numerous of time to provide information regarding the loans associated with the reported source with full detailed of account information in regards to contracts original singed by consumer and payment detail history report if any. XXXX  suggested that I contact all guarantors to talk about the accounts in which I did exactly that without the agency actually showing proof of any documents it withholds reporting on my report. The agency did delete most items as I complained about identity theft and inaccurate information as I followed the rules. The agency still is reporting wrong information which is still causing Hardship and they have not actually investigated these accounts as stated according to all rules that apply with the FCRA. We are getting different answer as I directly communicate to these company 's that assume I owe the debt. As XXXX stated, '' As of XXXX/XXXX/XXXX, we are happy to inform you that you no longer have a balance due on the principal, interest, or collection costs of your defaulted loan ( s ) serviced by XXXX. Which states in my opinion all Loans are satisfied and paid in full as agreed, in which they should have been deleted or accurately reported in good standing. The loan itself is stated in facts to be deleted even after 7 years from the original date. Why is this loan not in good standing and still reporting inaccurately in which is damaging my credit report allowing me not to be approved for consumer goods in according to FCRA. This is not fair as a consumer and should be corrected immediately. Navient have not provided me a detailed report regarding all loans associated with account # mentioned above. It stated I have 4 loans in which it could not provide a detailed report regarding each single loan associated with one account. I have paid a total of {$6900.00} in fees and garnishments that XXXX not XXXX could and can provide proof of all detailed loan payments. This includes XXXX XXXX account XXXX which all reports as the same account number. 

Account XXXX ( XXXX XXXX XXXX ) is still on my report after XXXX deleted information knowing that the information is fraudulent associated with my social. My Father who has the same name as I do may have opened accounts with proof at hand that these accounts are not linked to me nor are the addresses reported on my credit file accurate. Most of the addressees and phone numbers are numbers My Father are associated with. As a consumer I asked for the documentation associated with the agencies and to prove the account belongs directly to me and no answers from XXXX XXXX XXXX nor XXXX have given me the consumer a fair answer regarding any of the accounts listed on this page showing the original signed documents and payments made in detail of the accounts listed. XXXX have a different date reported that the account was open on XXXX XXXX, XXXX while EXPERIAN reported the account opened on XXXX XXXX. XXXX have not given me the reason is to why there are two different dates causing there to be conflict to what is the correct information on the account that is to be reported accurately. Causing the information to be false or inaccurate and must be deleted following the FCRA RULES. It first reported that the loan was 67 months long and now its 60months long but XXXX have not provided me with the information it assumes to be correct. Shows the account was closed on XXXX in which collection started but last payment was received on XXXX. Company also allowed a derogatory remark regarding a debt that XXXX can not prove to be mines directly. 

XXXX is also reporting inaccurate medical debt not belonging to me and I had also asked for that information to be deleted for my Father may have also may have stolen my identity to accumulate a medical record that false in my name. These accounts are listed below in which have derogatory remarks on my credit file with no known proof that the medical account accurately belongs to me the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All reporting in regards to not proving that these accounts keep in my credit file show no known proof of documents including the original signature of the consumer the debt they assume belongs to me.

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