Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am sending this as a formal complaint, I have disputed several times information that is reporting on my credit report incorrectly and made several requests that the information be updated corrected or removed. To date every time I the owner of the credit report advise you that the information you have is incorrect you claim to verify the info and I have proven several times that you in fact are not verifying this information but getting outdated information from third party sources. Even creditors are advising that they are not giving the agency this information ( XXXX reponse is an attachment ). Per laws set forth by the government debts that are discharged in bankruptcy can't show anything else such as any balance still owed, in collections, delinquent, charge-off, or any other negative information. Again, to reiterate, any debt that has been discharged in bankruptcy can only show XXXX balance-discharged in bankruptcy. If anything else appears on that particular trade line, especially if it is derogatory information, then that violates the requirements of the FCRA. Under the FCRA your agency is in violation if it fails to notify a business/creditor that I dispute the information at hand as well as failing to investigate, It is your duty to notify every creditor involved of my dispute, refrain from continuing to submit information that it knows ( or should know ) is incorrect. Modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) Complete the dispute within 30 days unless I provide more information, we are 3 rounds in and far past the 30 day mark. ( and the " verified info '' is still incorrect ) 30 days after the CRA gets the dispute from the consumer. If the CONSUMER provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. I DID NOT PROVIDE ANY ADDITIONAL INFO IN THE 30 DAY PERIOD I DID FILE A COMPLAINT after my 30 days IN WHICH YOU REQUESTED MORE TIME, and then an additional dispute even though you'd claimed in previous correspondence the dispute was completed. If it had in fact been fully verified you would not have needed to reopen additional disputes nor would accounts have been updated on my report from good standing to bad and then after my complaint back to good ( XXXX XXXX as an example ). Even the inquiries on my report it is your duty and noted in the law CRAs can not release your credit report to just anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as creditors, landlord, insurance providers, utility companies, and, employers ( only if I previously consented ). Authorized means I gave permission and I have advised several times that I did not consent and put a freeze on my report which you placed a 7 year extended fraud alert that I did not request ( most of my problems are with a breach of information from your agency in the first breach ). It is also illegal for creditors to pull your Credit Report for an Impermissible Purpose such as a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. As well as reporting mixed files I am an identical twin and I have reported numerous times that the info provided is that of my twin sister, These are willful and negligent violations of the FCRA and there are several consequences for the companies and the CRA 's who refuse to follow these laws. I have obtained as much proof as possible that my rights are being violated and this agency is not doing what they are mandated to do by law and I have given them several opportunities to get it correct. And I never requested dispute comments be added to my report I have requested they be removed several times. 

The accounts that need to be reviewed and deleted because they have failed to follow the laws set forth by government and it is deemed to be unverifiable because no correct information has been updated or reported since I started this process are as follows : XXXX XXXX XXXX XXXX XXXX reporting unrated with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment Walmart- charge off with history and dispute comment XXXX XXXX unrated and dispute comment XXXX XXXX Charge off and History and dispute comment XXXX- paid never late not included in bankruptcy, they can not be discharged in bk. 
XXXX Never late XXXX- there are 3 accounts on my report XXXX has confirmed you are reporting incorrectly even though your CRA states they confirmed this info with you. 

XXXX  XXXX XXXX XXXX XXXX reporting unrated with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment Harvesters- charge off and dispute comment XXXXt- Reported XX/XX/XXXX negative I have never ever been late, not included in XXXX XXXX- Never Late Experian XXXX  XXXX XXXX XXXX reporting charge off with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX charge off, negative history and dispute comment XXXX- Reported XX/XX/XXXX negative I have never ever been late, not included in XXXX XXXX- Never Late XXXX- charge off negative history, dispute comment XXXX XXXX charge off , negative history, dispute comment XXXX- negative payment history, open and reporting Inquiries - XXXX XXXX pulled my credit- XX/XX/XXXX after bk to check my financial standing I did not authorize XXXX XXXX XX/XX/XXXX Never heard of them I did not authorize, I am not looking for a car. 
XXXX/XXXX- I did not authorize XXXX- I did not authorize XXXX/XXXX XXXX- Pulled my credit to check my financial status after bk they were included in my discharge XXXX- I did not authorize I just recently got a card with XXXX XXXX XXXX XXXX XXXX Did not auhorize . 

XXXX XXXX XXXXXX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX no account until XX/XX/XXXX did not authorize XXXX XXXXl-XX/XX/XXXX did not authorize Experian XXXX - XX/XX/XXXX they were included in bankruptcy and prying in on my financials XXXX- Never authorized, I have cable XXXX/XXXX- Never authorized XXXX XXXX never authorized THE 7 YEAR FRAUD ALERT NEEDS TO BE REMOVED, I did not request this I requested a freeze. 
Names XXXX XXXX XXXX  XXXX is not my name clearly thats a mix of several names, XXXX XXXX XXXX is also incorrect, my only correct name is XXXX XXXX XXXX. 

I have never resided at XXXX XXXX XXXX, that is my sisters address we are twins. 
I have never resided at XXXX XXXX XXXX that is my husbands family we share the same last name. 
I have never resided at XXXX XXXX XXXX, that is my sisters address we are twins.

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