Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
State: CA
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 applied for a personal loan with my bank XXXX XXXX and was previously denied so I pulled my three credit reports. On my XXXX credit report I had discovered that there are 4 accounts  that are negatively affecting my credit score in which I have repeatedly contacted the customer service department for assistance. I have also been a victim of identity theft in which they are aware of but will not assist me and continue to report damaging incorrect information. I have disputed these items by phone and mail. When I called in XX/XX/18 and spoke with XXXX I was  advised that the items were verified but I have not received any documentation to validate any of these inaccuracies. XXXX XXXX XXXX XXXX is listed on my report twice {$1800.00} and {$650.00} and I do not have any financial agreed obligation with these companies. XXXX XXXX XXXX and XXXX XXXX and I have received no documentation validating the debt after disputing several times requesting an update of these inaccuracies. 

On my XXXX report, there are 4 accounts and several inquiries that are negatively impacting my score as well in which I have repeatedly contacted the special handling department for assistance. They have been made aware also that I have been the victim of identity theft. With this information they still have not assisted me properly in correcting this incorrect damaging info. I have disputed the info by mail several times and called in to special handling department. I was informed XX/XX/18 by XXXX that the 4 accounts had been verified as well, but once again I haven't received any information to validate any of these accounts. XXXX is the only company that has still not updated the disputed inaccurate hard inquiries like Experian and XXXX have already done even when submitting my FTC complaint advising of fraud. XXXX XXXX XXXX XXXX is listed on my report twice {$1800.00} and {$650.00} and I do not have any financial agreed obligations with these companies. XXXX XXXX XXXX and XXXX XXXX are also disputed and considered validated, but I have received no documentation validating the debt after disputing several times requesting an update of these inaccuracies. During this time, I had contacted the XXXX XXXX XXXX Police Dept. regarding the identity theft and they could not help since I didn't know who stole my identity. They just advised me to put fraud alerts on my credit profiles in which I did. I have inquiries from : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX in which I have disputed several times with XXXX but they have not removed these inaccuracies. I did not authorize any of these inquiries nor do I have accounts with them. I am hoping that the CFPB will assist me in getting these accounts deleted due to XXXX inability to assist me with updated and correct information my report. 

Experian also has 4 accounts that are negatively impacting my score in which I have repeatedly contacted the special handling department for assistance. They have been made aware also that I have been the victim of identity theft. With this information they still have not assisted me properly in correcting this incorrect damaging info. I have disputed the info by mail several times and called in to special handling department. I was informed by XXXX on XX/XX/18 that the 4 accounts had been verified, but once again I haven't received any information to validate any of these accounts. XXXX XXXX XXXX XXXX is listed on my report twice {$1800.00} and {$650.00} and I do not have any financial agreed obligations with these companies. XXXX XXXX XXXX and XXXX XXXX also listed but I have received no documentation validating the debt after disputing several times requesting an update of these inaccuracies. I am hoping that the CFPB will assist me in getting these accounts deleted due to Experians inability to assist me with updated and correct information on my report.

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