Consumer complaint received 2020-03-17
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:
This is in regards to Acct # XXXX. 

I just wrote Experian on XXXX through the Consumer Financial Protection Bureau website under original complaint ID number XXXX and I just received a notice today XXXX that you closed my complaint stating that According to our records, the disputed information does not appear on your current Experian credit report. We are in the process of forwarding you a copy of your credit report for review. 

That is not true I just had my Experian credit report pulled today XXXX and it still clearly shows the that XXXX XXXX XXXX   account number XXXX is still listed on my credit report as of today stating that I owe a creditor XXXX XXXX an amount of {$320.00} I do not understand why Experian is not taking this matter seriously. 

When I wrote XXXX  on XXXX they wrote me back on XXXX informing me that they had removed this illegal item from credit report. 

Im personally in the process of getting a home for a family and this is negatively impacting my ability to secure a mortgage. Moreover, it is also impacting my ability to run and manage my businesses effectively as Im not able to secure funding properly with having this derogatory item illegally inserted into my credit report. 
Additionally, XXXX XXXX has been trying to work with multiple companies to illegally add this incorrect discrepancy to my credit report over the last two years through different credit bureaus and every credit bureau has removed it now except for Experian. 
On XXXX I disputed this account with XXXX  which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX  Credit Report. 
XXXX  investigated the account and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 
XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 
After their investigation XXXX  wrote me on XXXX to inform me that this was deleted from my report. 
Again, XXXX XXXX tried to add the illegal item to my credit report, under the creditor name XXXX XXXX XXXX and I wrote XXXX  on XXXX. 
XXXX  had it removed again. Specifically, they wrote me back on XXXX through the Consumer Financial Protection Bureau ( complaint ID number XXXX ) and stated We reviewed your complaint and apologize for any difficulty you may have experienced. XXXX XXXX ( XXXX XXXX ) # XXXX has been deleted from your XXXX  credit report. 
Furthermore, on every instance that XXXX  has seen in this matter they have handled it professionally and within a timely manner. 
I do not understand why Experian is not taking this matter serious. I have an immense amount of evidence that not only the other bureaus reviewed but also that I have provided Experian to show that this account is not correct. 
As I stated before the company XXXX XXXX XXXX   account number XXXX is illegally adding the same creditor XXXX XXXX back to my account under a new account number but same amount of {$320.00} Please review this evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for past accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

I am disputing this account on all the grounds listed above. 

Moreover, having discovered the item like I mentioned it has been reinserted on my credit report under a fraudulent account number and name.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to 
subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : 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 non-monetary relief