Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: NJ
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:
For over 5 years now I have been trying to get items removed and updated from all 3 credit bureaus. Unfortunately back in XXXX I lived temporarily in an apartment complex until my home was built. Our mail was delivered thru a group mail box. To no avail with many hours, time and money spent on this I have had no success with this process either thru mail, phone calls and documentation. On XX/XX/XXXX I had enough. I have sent documentation showing that my Social Security number was compromised. These documents were notarized along with a Fraudulent Activity Report included.

The companies sent me NO Proof that I applied for any of their services. I have requested on several occassions to send me written signature, application, IP address and none have either responded or sent reputiple proof only copies of a bill. The 3 credit bureas will only respond back that they verified and do not remove. I was advised the only thing they verify with the company is with a phone call. This does not prove anything to me. No written documentation or proof of signature is required.

Here are the following accounts and Hard Inquires I have been trying to get removed for several years now. 
On my Experian Credit Report 1. XXXX XXXX XXXX XXXX XXXX acct # XXXX Credit Card Date Opened XX/XX/XXXX Closed : Credit Limit {$350.00} Highest Balance {$560.00} NOT MY DEBT 2. XXXX XXXX XXXX XXXX Auto Loan opened XX/XX/XXXX acct # XXXX Showing Past Due monthly payment {$580.00} I called my auto loan and advised that I was affected by Covid 19 I was advised by their customer service department that they will not list any payments late and not charge a late fee for these monthly payments as of XX/XX/XXXX, however my credit report shows late dates and they have charged me 3 late fees since that time. My loan is now current, however they are still reporting the times I was late on the loan to all 3 credit bureaus and I have paid 3 late payments.

3. XXXX XXXX Charge Card Opened XX/XX/XXXX acct # XXXX Written Off, Closed {$1200.00} Experian is still showing this on my credit report after I sent numerous letters with documentation of proof of Identity Theft Affidavit Signed notarized back in XXXX XXXX. 
This has been removed from XXXX and XXXX, however Experian has never contacted me regarding this matter or removed it.

4. XXXX XXXX XXXX XXXX XXXX XXXX Secured Card Date Opened XX/XX/XXXX acct # XXXX Credit Limit Secured {$300.00} This is a card I had to pay the Bank {$300.00} to Secure. I closed this account 5 years ago and advised them to pay balance with the security deposit held in their account. 
This company NEVER closed the account, ran up interest every month reporting I have not paid this account in full after it was closed XXXX of XXXX and paid in full with the security deposit. 
It is being reported to all 3 Credit Bureaus currently. 
5. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX acct # XXXX In Collections Since XX/XX/XXXX Balance owed {$1800.00} I have advised this company that this account does not belong to me personally and that this was my husbands business phones and account. I am not liable for this bill and we have not been together since XX/XX/XXXX. I live with my son. 
They are still reporting it on my credit report as my personal debt and will not remove from all 3 credit bureaus.

6. XXXX XXXX XXXX Charge Card Opened XX/XX/XXXX acct # XXXX Closed Written Off {$510.00} Please note this company and Experian is still reporting this on my Experian Credit report after submitting Identity Theft Affidavit Notarized back on XX/XX/XXXX. I advised them to please remove as I no longer lived at the property it was listed. NOT MINE 5. XXXX XXXX XXXX Secured Card Date Opened XX/XX/XXXX Listed as Charge Off, Never late {$210.00} XXXX XXXX {$300.00} Highest Balance {$470.00} The card was a Secured Bank Card with a {$300.00} credit limit that was put into a secured account of my own money. In XX/XX/XXXX I closed this account and the {$210.00} was paid with the {$300.00} security hold of my money. I never received the difference and it is reporting a balance due which is well over what the limit was. I have written to all 3 credit bureaus and the company to have this corrected and marked as paid in full with no response from any. 
THESE ARE THE HARD INQUIRIES LISTED ON MY EXPERIAN, XXXX, XXXX CREDIT REPORTS THAT I NEVER APPLIED FOR. WROTE TO EVERY COMPANY AS SUGGESTED BY THE CREDIT BUREAUS HOWEVER, SOME DID NOT RESPOND AND SOME SENT LETTERS BACK STATING THEY HAVE NO RECORD OF ME OR THEY DO NOT REMOVE INQUIRIES. THIS IS UNFAIR AND SHOULD NOT BE LEGAL. 
EXPERIAN XXXX CREDIT INQUIRY ON XX/XX/XXXX XXXX CREDIT INQUIRY ON XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AGAIN XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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