Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: WA
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 am XXXX XXXX XXXX XXXX I discovered the identity theft originally XX/XX/XXXX and a follow up on XX/XX/XXXX. There are properties on my credit report that need to be removed and there are other items like a child support collection that is not mine. I have been in contact with the XXXX XXXX XXXX XXXX and they have refused to remove it from my credit report even though I do have an email that they admit that the debt is not mine. 

Some of the debts that are on credit report are mine, however, those also have issues. I have contacted the FTC, OPA, OCR, IC3 and local courts and other law enforcement agencies about this issue. 

I have a divorce decree that was not enforced and could have solved all of these problems quickly, however, there are false criminal allegations being made against me by XXXX XXXX XXXX. 

I have and am still am having problems obtaining employment due to the false accusations and items on my credit report that are not mine. The properties in Oregon are not mine, however, are on my credit report. 

I could use some assistance quickly to resolve this matter as I am having a very difficult time finding or securing an income that would support me. If you choose not to publish this as an example that is acceptable. I was counting on this type of position and had been promised the position and then at the last minute the job offer was revoked. 

I am including a few of the emails related to the most recent employment offers and the child support communications. 

XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Hello XXXX, Thanks for letting me know. Is all good with your application you are enrolled for the class starting XX/XX/XXXX. 

Please give me a call back Monday next week so I can give you bus ticket. 



Have a great weekend enjoy time with your family. 



XXXX XXXX Senior Recruiter Direct Office XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear XXXX XXXX XXXX, This letter is provided to you in compliance with the federal Fair Credit Reporting Act. 

As part of our employment selection process, we require that a consumer report be obtained before an offer of employment is made to any applicant being considered for the position for which you've applied. 

This is to advise you that your application for employment is being denied. In evaluating your application, the consumer reporting agency listed below provided us with the information which, in whole or in part, influenced our employment decision. This consumer reporting agency played no part in our decision other than providing the information about you, and the agency will not be able to provide you with specific reasons for our denial. 

Under the Fair Credit Reporting Act, you have the right to obtain a free copy of the consumer report directly from the consumer reporting agency listed below within sixty ( 60 ) days of the date of this letter. You also have the right to dispute with the consumer reporting agency the accuracy or completeness of any information in the consumer report. 


Sincerely, Recruiting Department XXXX. XXXX, XXXX. 

Name of Consumer Reporting Agency : XXXX, XXXX. 
XXXX XXXX XXXX, CA XXXX Phone : XXXX, XXXX Fax : XXXX, XXXX E-mail : XXXX XXXX XXXX XXXX To : XXXX ' Cc : XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX Good morning XXXX XXXX, It is always extremely unfortunate when someone has been mistakenly connected to an account that does not belong to that person on their credit report. Clearly the credit bureaus have connected you in error to one of our child support cases. We can see this by the information you provided. However, we have no ability to make any updates on your report because we do not have any connection to you. We are unable to simply send credit bureaus information about someone who does not have an account with us. 



What we CAN do is verify our account information. You will need to file a dispute with all three credit bureaus Experian, XXXX and XXXX  because they are all showing on the report you shared with us. In order to prove to the credit bureaus that this account does not belong to you, I suggest you provide as much information as possible in every dispute such as current address and previous addresses, full middle name, date of birth and phone number. Our case is also a XXXX XXXX but with a different middle name and clearly different addresses etc. When we receive the disputes, the more items we can mark as different than the information you provide, the better chance you have of getting the credit bureaus to remove the wrong information from your record. 



You can file disputes electronically with the credit bureaus and they come through on a list to us within a day or two from the credit bureaus. I will personally watch for your disputes and respond to them as soon as we receive them to expedite the clearing of your record. 





XXXX XXXX Case Manager | Credit Reporting Specialist Special Collections | Division of Child Support Oregon Department of Justice XXXX O : XXXX | F : XXXX oregonchildsupport.gov

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