Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started this journey with experian in XX/XX/XXXX. I sent them a copy of my divorce decree showing that the accounts that I will list do not belong to me and belong to ex spouse. They returned with the accounts were verified. I then sent a request to ask them to send me original contracts with my signature that show these accounts were indeed opened by me. I received a copy of my credit report. The date on the first was XX/XX/XXXX, the second request was XX/XX/XXXX. I then sent in a 3rd request explaining to them that I do not want a copy of my credit report, but I would like to see how they verified what I disputed. I requested a copy of the original contract. I am aware that in accordance of the FCRA that they must provide this or delete the accounts. I also want to see who signed my name in a contract. This was XX/XX/XXXX. At this point they added a personal statement on my report, that was not from me. And want it removed. 

Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XXXX. 

And they disputed all my accounts that were indeed mine. And did not dispute the ones o asked for. My accounts in good standing were then removed from my report. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I am uploading photos. 

I then contacted them. By phone. And askedthat my accounts are put back on. That I never disputed those accounts. They simply apologized and said I need to contact the creditors to have them back. 
Because if their mistake.my score dropped considerably. I contacted my credit union and they did indeed add my 2 accounts back on to my report. But experian still had not answered my dispute. It had been over 30 days. They did something else. I had a dispute for XXXX XXXX. And so I submitted yet another letter asking for validation that the debts on my report are indeed mine. This dispute included XXXX XXXX. This was on XX/XX/XXXX. They RETURNED again that they were verified. I AGAIN asked them to provide me a copy of how they verified the accounts. And asked them to send me a copy of the original contract. They came back again TODAy. XX/XX/XXXX. To say AGAIN the accounts were verified. So its like no matter what I send them. They say the accounts are verified. I have sent them 8 copies of my divorce decree. On 2 of the occasions they opened disputes for accounts that I did not dispute. And now I am fed up with trying to get these disputed. I want them off within 15 days. They have had since XX/XX/XXXX to correct my report. I also asked them to remove the hard inquiries that are not mine they have not responded to this request. XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. ( 3 times ), XXXX XXXX 2 times, XXXX XXXX 2 times, XXXX XXXX, XXXX  ( 2 times ) XXXX. I never heard anything about what they would do. According to what I read in the FCRA. They must provide proof that I did indeed initiate these. I would like that proof. I know that I have not. 

They came back that XXXX XXXX was verified although I sent them the receipts that this is at a XXXX balance. I want to see a contract that shows I owe this.

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