Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: VA
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:
This is in regards to account number XXXX with XXXX XXXX XXXX in the amount of {$480.00}. To Whom It May Concern : I need to have someone investigate my file immediately. I still have a collection added to my report that was illegally inserted that is not mine from XXXX XXXX Sys with the account number of XXXX claiming I owe {$480.00} to XXXX XXXX which is not true. 

Experian has already deleted the other two accounts from XXXX XXXX XXXX yesterday ( XXXX ) with that had the same account number of XXXX claiming that I owed {$320.00}. 

It does not make sense that they have left this one account when it already saw the other two accounts were fraudulently placed on my file. 

TransUnion has taken this matter seriously and deleted all the fraudulent accounts based on their investigation and now shows 0 collections on my file. I will include a copy of my XX/XX/XXXX credit report with their updates from today XXXX and you will see on page 41 that there are no collections because they have deleted all the illegal records that were inserted into my credit report and I am asking that Experian please do the same. 

I am asking that Experian please take this matter seriously and get this last illegal account removed. 

Furthermore, you will see in every occurrence for XXXX XXXX all accounts have been removed in the past by all the other credit bureaus because none of these accounts are mine and they have been fraudulently placed on my credit file. 
On XXXX XX/XX/XXXX deleted XXXX XXXX XXXX claiming I owed money to XXXX XXXX from my credit report. 
Then on XXXX XX/XX/XXXXdeleted a 2nd file from XXXX XXXX XXXX claiming I money to XXXX XXXX from my credit report. 

XXXX XXXX Solutions was trying to do the same fraudulent act that XXXX XXXX XXXX is trying to do. 
This has been an ongoing issue for years! 
There is no evidence of this debt belonging to me and needs to stop. 
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XX/XX/XXXXCredit Report. 
XX/XX/XXXXlooked into the investigation and informed me that they removed this account on XXXX XXXX account XXXX and had it deleted from my credit report. XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XX/XX/XXXX on XXXX claiming I owe XXXX XXXX under my Social Security number. 
After their investigation they wrote me on XXXX to inform me that this was deleted from my report. 
Furthermore on XXXX XX/XX/XXXX also responded to the Consumer Financial Protection Bureau that it had deleted Nationwide Recovery ( XXXX XXXX XXXX # XXXX from my XX/XX/XXXX credit report. 
XX/XX/XXXX also responded to the Consumer Financial Protection Bureau ( Complain ID XXXX XXXX ) on XXXX that it had also deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX that XX/XX/XXXX deleted this from my credit report. 
Experian also responded to the Consumer Financial Protection Bureau ( Complaint ID XXXX XXXX ) on XXXX that it had also did not leave the account on my credit report from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Again, Experian stated that that the disputed information no longer appeared on my credit report. 
I also have the XX/XX/XXXXandXX/XX/XXXX files attached. 
Now the same company XXXX XXXX account number XXXX trying to illegally add a new creditor XXXX XXXX XXXX to my credit report under a new account number and a new amount of {$480.00}. 
At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 
Furthermore, if you look at my report with XX/XX/XXXX versus my report with Experian and XX/XX/XXXX, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XX/XX/XXXX 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc :XX/XX/XXXX

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