Consumer complaint received 2019-08-13
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:
I submitted documentation that pertains to a dispute that I filed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with Experian that pertains to the following accounts listed below.

I submitted documentation that shows I was a victim of fraud and identity theft that pertained to a national security breach.

I have spoken to an attorney about filing a lawsuit against Experian as it is illegal for companies to reflect and report a charge off and late payments. It must be one or the other. If the company is reporting the item as a charge off, then the company is taking the debt as a loss. Companies can not report a charge off and then turn around and report that the payment is late whether the debt is mine or not. This is a double whammy which means that the information that is being reported in my credit file is false and not accurate information that is being reported.

Based on the documentation that I submitted. I am requesting that Experian remove these negative items from my credit report ASAP, or I will be forced to take legal action.

Also, to add insult to injury I wasnt even working in XX/XX/XXXX and all of these accounts were opened in my name fraudulently. That should have been a red flag right there.

I have submitted information to Experian over and over again to no avail and the items still remain and I want them removed ASAP in addition to my scores being updated to reflect the changes.

I included in my packet to Experian : Driver License ; Social Security Card & SSN OPM Security Breach Letter ; XXXX  Sworn Affidavit ; XXXX Letter XXXX  : {$5000.00} ; account opened on XX/XX/XXXX and closed as of XX/XX/XXXX. Account is reporting a charge off and late payment as of XX/XX/XXXX. ( impacting my score and reporting as a negative payment item ).

XXXX : {$86.00} ; account opened on XX/XX/XXXX and closed as of XX/XX/XXXX. Account is reporting a charge off and late payment as of XX/XX/XXXX. ( impacting my score and reporting as a negative payment item ).

XXXX  : {$5500.00} ; account opened on XX/XX/XXXX and account is closed as of XX/XX/XXXX. Account is reporting charge off and late payment as of XX/XX/XXXX. ( impacting my score and reporting as a negative payment item ).

XXXX : {$5000.00} ; account opened on XX/XX/XXXX and account is closed as of XX/XX/XXXX. Account is reporting charge off and late payments as of XX/XX/XXXX. ( impacting my score and reporting as a negative payment item ).

XXXX XXXX XXXX : {$22000.00} ; account opened on XX/XX/XXXX and closed as of XX/XX/XXXX. Account is reporting charge off and late payments as of XX/XX/XXXX. ( impacting my score and reporting as a negative payment item ).

XXXX XXXX XXXX XXXX : {$5000.00} ; account opened on XX/XX/XXXX ; fraudulent account. I also went in person at the local branch in XXXX, VA and was told that this item would be removed from my credit report ASAP. It was removed only from my XXXX Credit Report but remains on my XXXX & Experian Credit Reports.

XXXX XXXX XXXX : {$2600.00} ; letter that was included in a previous Ch. XXXX BK with a {$0.00} balance. Account opened on XX/XX/XXXX. Does not list when the account closed.This account was charged off and reporting late payments as of XX/XX/XXXX. Also this account is 10 plus years old and should not even be reflected or showing on my credit report. ( impacting my score and reporting as a negative payment item ).

XXXX XXXX XXXX XXXX : {$730.00} ; I have never had an account with XXXX XXXX XXXX XXXX ever. I had inquired about an opening an account with them and never did. As a result, my information was used in a scam that XXXX XXXX XXXX XXXX ; had ongoing that was used to open a fraudulent account with them. As a result, I was offered a settlement from XXXX XXXX XXXX XXXX based on their actions. Account opened on XX/XX/XXXX. This account was closed as of XX/XX/XXXX as a charge off and reporting late payments as of XX/XX/XXXX. ( impacting my score and reporting as a negative payment item ).

Please update my account with XXXX to reflect and show that my I have never been late with a payment. A few months back Experian had a data breach and my credit report with them was showing that I had late payments. This is not the case. I have attached the letter from the company for your review.

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