Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: WA
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 reached out to Experian back in XXXX to advised them that there were 3 fraudulent accounts on my credit report, XXXX card, XXXX XXXX XXXX and XXXX XXXX. I provide the company a copy of my police report and other documents to support my claim. every time I dispute the item they came and said it was verified. I asked the company numerous times to show me how it was verified ( method of verification, I asked them to provide documents and show me where my signature of something and they never did, which is a violation for the fcra, Experian is require to show proof of regular documents and they are suppose to provide it within 15 days of my dispute. mind you, I dispute these account more than 4 times, each times they never showed me verification. they just always just said it is verified!!! number two the creditors ( XXXX card, XXXX XXXX and XXXX XXXX all said these account were closed to bankruptcy!!! I do not have bankruptcy and no bankruptcy is reporting on my credit report!! all 3 three company advised that these account were closed due to bankruptcy!!!! I provide this company with name of the people who I spoke with XXXX from XXXX financial, XXXX from XXXX consumer use said that XXXX XXXX sold them my account and said it closed due to bankruptcy and they sent a letter to Experian to delete their account ( mind you Experian never told this me nor provided verification again. ) XXXX from XXXX  and XXXX from XXXX card all confirm these account were closed due to bankruptcy!!!! I told this to Experian on numerous time and they failed to do anything about it, so, again that's another red flag and fraudulent stuff!!!! and my name is spelled wrong on my credit report, my name is XXXX, not XXXX which I advised them on numerous time about this and they failed to correct, which is another violation.FCRA 611 ( 15 U.S.C. 1681I ), [ FCRA 611 ( a ) ( 7 ) ] Section 609 ( a ) ( 1 ) ( A point if they don't block these fraudulent accounts I will Sue this company, I already consultant a lawyer, this will be my last time trying to resolved this peaceful. I already advised the ceo XXXX XXXX of the horrible work that XXXX ( the representative in consumer affair has done on my case, and XXXX in consumer affairs has done, and she told me she would not put in another dispute and if she does it will come back the same!!!. I know my rights and the law!! This is illegal! below in the attachment are Experian ways of " method of verification '' is which is not the way fcra stated they are suppose to show method of verification!!! you have to show proof!!!! word of mouth doesn't mean anything!!!! as you can see this company has send me this bs verification for 2 months now!!!! its like they just copy and past their same response!!!

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