Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: OH
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:
In XXXX of XXXX I first noticed a fraudulent account appearing on my Experian credit report. This fraudulent account originated with XXXX XXXX  and had already been sent to XXXX XXXX XXXX XXXX for debt collection for {$250.00}. I disputed this through Experian on or before XX/XX/XXXX and was unsuccessful in having anything changed and received no useful feedback other than the fact that nothing changed. I contacted XXXX XXXX  directly and was informed I could only work with XXXX  & XXXX. I contacted XXXX  in XX/XX/XXXX, received their fraud paperwork on XX/XX/XXXX, and mailed this information back to them on XX/XX/XXXX. I received their follow-up dated XX/XX/XXXX stating they can not verify that this is fraud. Their follow-up included the original XXXX account agreement which appeared to have a multitude of problems : An address in XXXX which does not appear to exist, a signature that does not match mine, a handwritten date next to the signature that anyone who knows me would know is not my writing ( I make an 8 with two circle for some odd reason ), a different handwritten date on the second page that also does not match my writing ( I never use cursive except for my signature, so I would never have written a cursive XXXX ). I had no recourse other than going back directly to XXXX. In XXXX of XXXX I mailed a notarized letter to XXXX explaining the fraudulent account, asked a series of questions intended to help me prove my lack of involvement with this account, and also included a police report. I assumed that this letter had not been acted upon based on COVID closures, and did not follow up until XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX, explained the situation again, and was told I would be mailed fraud paperwork that I should receive in two weeks. I explicitly asked if my letter had been received and XXXX declined to answer that question. I called XXXX again on XX/XX/XXXX after having not received their fraud paperwork. They again told me I would received fraud paperwork in a few weeks, and again refused to confirm or deny that my letter and paperwork had been received. I tried asking detailed questions about this account in order to help myself, but was now being told they couldn't tell me anything since it wasn't really my account. So now I'm stuck with a fraudulent debt collection on my credit report and absolutely no recourse and no ability to help XXXX connect the dots because they can't ( or don't want to ) answer any of my questions regarding the account that was opened with my SS #. On XX/XX/XXXX I called XXXX yet again after still not receiving any paperwork. This time I asked how I was supposed to help clear this up if XXXX refused to cooperate. I questioned if I should simply contact the CFPB, and I was quickly disconnected. I will be submitting the letter that I sent to XXXX back in XXXX of XXXX. As this letter indicates, I live nowhere near any XXXX  location, assuming this account was opened in person I can have my employer attest to my presence at work in Ohio on the day the account was opened, and most importantly, this debt is simply not consistent with any other activity in the full history of my credit report. I don't know where else to turn. Merchants simply wants paid and has no incentive to investigate, XXXX is clearly not interested in helping, and the Experian " investigation '' took less time than I'm taking submitting this complaint. Please help.

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