Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: NV
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've reached out to Experian a plethora of times to address the damaging accounts reporting falsely to my credit file. Although, I've shown the inconsistency and inaccuracy of these accounts they've continuously came back " verified. '' The facts are not valid, have shown me no proof of contract, and since I have no knowledge of these accounts and have no proof they should be deleted from my report according to the FCRA. 

On XX/XX/XXXX, I sent documentation and a letter concerning the false information being reported. I requested further information or deletion of this mystery account from XXXX XXXX XXXX. I was sent a " verified '' email dated XX/XX/XXXX. I patiently waited for the detailed information I requested via mail and nothing was produced to support Experian 's claim of these " verified '' accounts. On XX/XX/XXXX I sent a follow up demanding a re-investigation and their findings. I was sent nothing in return and this account remained " verified '' on my credit file once again. At this point, this one account has been reporting illegally for months so it made me uneasy about what else could be reporting and damaging my creditworthiness. 

After pulling my reports again, there were accounts that were a mystery to me. I sent a letter asking for proof of validation or deletion of these accounts on XX/XX/XXXX. Each account returned " verified '' although I have no knowledge of any of them and was given no proof of their permissible purpose to report on my accounts. I've reached out to these companies and they sent information that's inconsistent with my personal information, not mine or I've received nothing at all. 

In XX/XX/XXXX, I began assessing my personal information after discovering that my confidential information was compromised in data breaches over the last four years and personal information loss from moving around, I worried about fraud activity. In effort to correct my personal information, I sent Experian my correct and only information. I also asked them to delete any other addresses, names, employers or numbers, as they were not mine. I sent verification of my identity with this request. After taking the proper steps as a consumer, Experian is still housing incorrect personal information which in term is making it difficult to feel at ease with false information reporting on my file. 

This false reporting and errors on my credit file are damaging to my livelihood, they're also affecting me while in the process of finding a safe home for my family during a difficult time. I've specified that to this company and they've made no effort to follow the procedures they've put in place to ensure that my rights as a consumer are met at the full extent of the law.

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