Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: GA
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:
Good afternoon, I am sending this email in regards to incorrect information being displayed on my credit report. These accounts that I am demanding to be removed from my credit report are XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and unauthorized usage of credit inquiries. 

XXXXXXXX XXXX : Amount {$9400.00} I have disputed this account as it does not belong to me since XX/XX/XXXX. I have reached out to this company directly and I have recorded conversations of them stating to me that on XX/XX/XXXX a letter was sent out which I never received removing my name from this account. When it was not removed in XXXX I reached out again on XX/XX/XXXX. I recorded this conversation as well and I was then told by a supervisor that my name was no longer associated with this account and that they update monthly to all 3 of the credit bureaus. It is now XXXX and this is still beeing reported on my credit. This is absolutely illegal to have this account continuously being reported. I was told that my name is not on the account yet they are still reporting this as a derogatory account although I was told that my name is not associated. I was told that it could take up to 30 days to have it effectively show however it has been almost 90 days. The bureau code on my credit states terminated however it is still showing up as a derogatory account. 

XXXX XXXX : XXXX {$7800.00} I have disputed this item on my credit on numerous occasions as being fraud dating back to XX/XX/XXXX. I have never been associated with this company nor met with anyone in regards to this account. I have disputed these items monthly as fraud and the credit bureaus have refused to remove this account. The credit bureau agencies have received my complaints as well as my dispute regarding the information being fraudulent. The account was showing closed and then 30 days later it showed up as a late payment. This is incorrect information as again, I have never had any association with this company. There are different amounts as well as different codes, one states it is a charge off, another states account past due associated with this account the amounts also have changed each time I have disputed them which showcases the inaccuracies of their reporting methods. 

XXXX XXXX : {$1400.00} I have disputed this account to be removed In XX/XX/XXXX as I have never had any association with this company, it shows the account has been refinanced which I have never done nor authorized. It shows the account is closed on one place on the credit report and then on another it says current, having a closed account that I have never had any association due to fraud is showing a closed account on my credit and negatively affecting me. This account is dating back to XXXX, it shows a balance on one and on the other where it states refinanced it shows the balance as {$0.00} which is inaccurate, again I have never had any association with this account and I am requesting to have this investigated and removed. 

Credit Inquiries : I am also putting in a complaint for incorrect usage of my credit for credit inquiries that I did not authorize. I have disputed these items as well and they are continuously showing on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies are causing me emotional, mental, social and even physical distress as I am in the process of trying to purchase a home for my growing family and I am unable to due to these items negatively reflecting on my credit report. 

I have done my due diligence by disputing these items over and over and I am getting no where which is extremely frustrating. 

I am requesting a full investigation not only into these companies for misleading information but also failure to comply within the guidelines of the consumer finance and fair credit reporting. 

I am also requesting a full investigation into the credit bureaus for continuously reporting misleading information on accounts that I have no association with. 

I am unable to upload the proven recorded phone conversations as the file upload does not allow me to do so however I would be glad to replay the conversation to a supervisor. 

I look forward to hearing from someone regarding these items so that I can move forward in my life. 

Thank you,

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