Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: CO
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:
I have contacted Experian many times to try to resolve my issues. I recently filed another dispute to get items removed. I filed my recent dispute on XX/XX/XXXX. FTC report number XXXX. I was told by the rep they didn't want to accept the report because they couldn't verify the report number. Which is a stall tactic. Experian is violating my rights as a consumer. I have asked for documentation used to verify the account and was told by numerous reps that none was taken, company just " certified '' it was accurate. I provided the documentation Experian asked to dispute and remove the accounts. 

XXXX XXXX XXXX Acct # XXXX. Filed a complaint with the Attorney General 's Office. They have been provided all documents as got it thru myself and Experian. FTC and Police reports were provided. This account remains but Experian cant provide proof of debt or validation to keep it there. XXXX XXXX is in violation of FCRA as well XXXX # XXXX. This account was removed and blocked my Experian. XXXX simply told Experian it is valid and the account was placed back on my credit. Experian failed to notify me to give me 5 days notice in writing it was being placed and why it was. I provided FTC report XXXX. Experian again, failed to verify the account. XXXX did provide drivers license info, which did not belong to me, or match the previous loan that was closed by them in good standing 2 years prior. The drivers license info was not correct. The auto was purchased out of state. XXXX PD verified the car was insured thru XXXX at one time and to XXXX XXXX and XXXX XXXX Policy. XXXX said the car was a repo in XX/XX/XXXX. They said they felt it was my account. I then asked to see documents, as well as video from the person obtaining the loan in the XXXX store. I also asked since it was a repo, Colorado Law requires them to send notification that the car is up for auction, where its at, date and time, and amount needed to stop the same. I asked for that letter as well. I was told I wasn't able to get the information in writing or sent to me because I claimed fraud. The account is complete fraud, never owned this car. XXXX PD also verified that the person who registered the car was XXXX XXXX and used a credit card to do so. Experian allows accounts to remain to be able to charge businesses for placement on credit. XXXX is in violation of FCRA and has no verifiable info to validate this debt. ID Theft is when someone has your info. In this case it was a person I knew and they were arrested in XXXX County, Colorado for fraud and theft. 

XXXX XXXX Services. XXXX Experian was also provided a valid FTC report same as others accounts listed in this report. They were also sent a police report with verified the fraud. Experian says they validated a fraud account with NO documentation. A person behind a computer clicking yes to verify is not VERIFYING AN ACCOUNT. XXXX was sued for not providing such information to the consumer XXXX rep told me in XX/XX/XXXX the account went bad when XXXX actually did as for proper documentation for the account and they requested Drivers License, and IRS tax returns. Those were not provided and they closed the account, after numerous fraud payments. When XXXX XXXX was arrested a card was in his possession. XXXX Police noted the fraud and it was sent to XXXX. XXXX just doesn't want to take a loss. 

Experian, seems to have agents who don't understand the laws or the policies of its own company. You can call and get 3 different answers each time you call. Experian is in violation of the FCRA and litigation against them will happen soon. They aren't holding businesses accountable because of profit. Consumers are reporting the fraud and giving all the documents they ask and its not good enough.

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