Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
Since XXXX XXXX i have been going back and fourth with Experian about the incorrect fraudulent information they are reporting on my behalf. I have spent a significant amount of money reaching out on courier services to fix issues Experian is responsible for. I have gotten to the point where i have reached out to the attorney general of Texas and complained about Experian because of their spiteful behavior. I will include my letter to my lawyer and the attorney general on this complaint. For a few months i would get the automated card responses saying Experian has 30 days and an additional 15 days to investigate ( which i understand ) but the most recent response raised a red flag for me. 
To begin with Experian opened a few Name disputes and the accounts that did not belong to me were also initiated in the same dispute. Not even thirty days later this investigation was closed. 
Then Experian claimed they needed to verify my identity? I sent them a copy of my drivers license, passport, social security card, and lease statements, mortgage statements, and fingerprints. Keep in mind Experian has already initiated a dispute on my behalf prior to requesting these documents so all of a sudden they didn't know who i am? very interesting. 
It gets better, at this point i have mailed 3-4 letters to Experian and it has well surpassed the thirty day and additional 15 day " investigation ''. 
I received a letter in the mail addressed to " XXXX XXXX XXXX '' which i don't k now who that is and how Experian came up with that name. Nevertheless, Experian expressed to XXXX in this letter that they wont investigate anymore because they have previously conducted an investigation. 

I don't believe Experian conducted any investigation. I am insulted that they have created a none existent name and have the audacity to send me correspondence via mail with wrong information. 

According to FCRA if an account is not 100 % verifiable it must be removed ( not updated ) from an individuals credit profile. I did not come up with these rules, it's the law. I have experienced Experian breaking this law on various occasions reporting " updated '' when nothing was updated. Experian is not allowed to " updated '' fraudulent information it makes no sense. 

Experian has broken various FCRA laws which i have the attorney general working on how much they should be fined, but they are STILL reporting incorrect information and have not removed anything from my credit profile. Experian claimed they " updated '' my account but they actually did nothing. The before and after information are identical and no investigation was conducted. Experian is required to conduct an outside investigation on their own and provide me with detailed information like how did they verify the accounts? whom did they speak with? was my name on the account? did i sign the agreement? 

I have reached out to Experian over eight times in the past 60 days and they have not been cooperating with me. These accounts have incorrect names, dates, balances, reporting monthly payments on closed accounts, attaching my social and a different name to several accounts. 

I am extremely hurt and frustrated at the level of nonchalance Experian has towards by personal information. 


In addition to penalizing Experian from the attorney general 's office i demand all the incorrect accounts to be deleted immediately.

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