Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 611 Experian, I am exercising my right under the Fair Credit Reporting Act, Section 611, to request information regarding an item that is listed on my consumer credit report. Recently XXXX has allowed this account to continue to report to my consumer credit file. 

As per Section 611, I am entitled to see the source of the information, which is the original contract that contains my signature, a copy of the id and or social security card to validate my identity and that I indeed authorized an account with XXXX. 

I have communicated with XXXX who has confirmed that they NEVER received a copy of my drivers license or social security card to ensure validation of the account that they are reporting on my credit file. XXXX stated that someone put my SSN in online to start an account and that there is not a contract on file. XXXX stated that this is how they allow accounts to be created. XXXX then stated that someone called in to give the last 4 digits of my SSN and the account was started. XXXX simply sent me a copy of their terms and conditions. At the time of the account creation, XXXX did not receive a copy of any identifying documents to validate the opening of an account in my name with my SSN. 

I own several rental properties and rent them out. Although XXXX never received any proper forms of identification to verify my identity, they insist that the account is in compliance with the FCRA simply because they recently looked up deed records to show I purchased the property in XXXX. I have explained to XXXX that I had the property rented out and provided proof of no homestead being filed on the property because it was not my place of residence. XXXX continues to ignore this information and stated that the invalid email on the account means nothing because they often see accounts with fake email addresses. 

Recently, XXXX somehow searched through Texas XXXX records and is stating that the address on my license changed to XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX. XXXX states that this makes the reporting valid. XXXX is INCORRECT. My drivers license was issued with the XXXX XXXX XXXX  address on XX/XX/XXXX. I'm not sure where XXXX is getting its information but if they indeed had a copy of my license they would provide it and have the dates correct. I just received homestead on this address because it was not my place of residence. 

FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

I rented the XXXX XXXX XXXX XXXX XXXX to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created. 

After reinvestigation, on XX/XX/XXXX the credit reporting bureau XXXX removed this erroneous account from my consumer file. 

I have included copies of my Texas drivers license, rental agreement, proof of homestead approval and communication with XXXX If Experian is unable to verify the account with a signed original contract and identity verification the information should be removed from my credit report immediately. 

PLEASE REVIEW ALL DOCUMENTS ATTACHED. 
Sincerely, XXXX 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