Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and Experian Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports.

I contacted both credit bureaus on XX/XX/XXXXand disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate.

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX.

I received a letter from XXXX XXXX Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name.

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX  informed that they sent electronic letters to both XXXX  and Experian telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.

Also on my XXXX and Experian Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports yo

ur scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? XXXX has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my XXXX credit report only the company can. XXXX  has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending a
nd I am sick of it.

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