Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX In XX/XX/XXXX, he submitted this account to a dispute both with the company directly and with the credit agencies, where I have received the same response on multiple occasions from the credit agency but I sent them the information corresponding to the complaint that this account the expenses and payments were not made by me. 

This credit card had a limit of {$1100.00} and it appears in my report and in the account a credit card with a debt of {$6400.00} and closed and with multiple months of late payments significantly affecting my credit report. 

I have tried in a thousand ways to solve this problem with them and the answer is the same. I tried it through this means and it will be my last attempt before taking this to legal instances where I will be forced to file a legal claim since they are in breach of my rights. according to the FCRA, where it establishes that the information must be 100 % accurate, verified and verified. 

As you can see in the attached files, the information is not exact or verified, since at this moment I have an open case with the XXXX company which the case number is XXXX, where I clearly explain that this card was used and paid without my authorization where the records may show that I did not make any payment to that card and less for those amounts, and that if I had a card for {$1100.00} how I owe you {$6400.00} this is a complete fraud that they carried out on me and I demand that be legally verified and don't keep giving me the same answers. 

In the same way, I asked the company to send me the following information in my report that is inaccurate and incomplete and I did not get a response, they only told me that the information is correct and verified and as you can see there is nothing correct or verified when the information requested It is not reflected in the report. so the response I received from this company regarding my previous dispute seems to me to be a total breach of the laws set forth by the FCRA. 

1 ) The account History shows incomplete information in the same way that I don't understand why it keeps reflecting that this account is in CO when it should be deleted for being a fraudulent account. 

2 ) The payment History guide shows information from XX/XX/XXXX and does not show me information before that date in order to check when the scams were carried out on my card. 

3 ) The History balance, is shown from XX/XX/XXXX, where it already shows a debit balance of {$2800.00}, when the card had a credit limit of {$1100.00} as you can see in the report, before that date I did not It shows no information for me to be able to verify when they made those expenses, and especially how the card could make those expenses for those amounts, if it did not have the limit to do so.

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