Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: NM
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/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX So I disputed the negative and erroneous report with Experian. I told Experian about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. Experian acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with Experian. 

So, this morning I filed another dispute with Experian. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) Experian, ( 2 ) XXXX, and ( 3 ) XXXX. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX   regarding this matter, in as much as XXXX  may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.

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