Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
I reached out to all 3 credit bureaus after initial contact with the creditors to correct issues and fraud on my reports. I have not received a thorough investigation on who the suspect behind these charges are, as well as the validity of the charges. I have been a victim of extreme fraud and ID theft in which has caused me several denials and undue hardship for the past 3-4. years. I have sent in my ID, police reports, notarized statements, alert letters that all of my personal information has been sold on the dark web, etc to no avail. 

I was able to get a few things rectified but there are still some very huge amounts of debts that I did not create that are still on my report. I have disputed several times for the last 8 months and the CB 's have done nothing but ignore my claims with no proof that the fraud accounts are mine. Please see the following information from each of the credit bureaus and the accounts in question : Experian- XXXX- An illegal re-insertion placed on my account for a XXXX fraudulent loan that was previously deleted. IAW with the FCRA 623 ( a ) there are quite a few things that the bureaus have failed to correct on my file, to say the least. 

XXXX XXXX-Verified account but I've never missed a payment. Account in deferment due to COVID-19 at the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ). 

XXXX Utility bills- XXXX XXXX XXXX ( Online Services )  that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here, nor do I live in a home that a security system is installed such as XXXX. 

XXXX Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX XXXX ( Online Services ) that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here. 

XXXX XXXX Fraudulent ; again, I only have ONE credit card. This is not my account. 

XXXX XXXXVerified account but I've never missed a payment. Account in deferment due to COVID-19 at the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ).

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