Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX/XXXX/XXXX I received an email from Experian regarding an update on my credit report. I 've noticed a XXXX XXXX account was still on my report effecting my credit score. I have disputed my fraudulent account with XXXX XXXX on XXXX/XXXX/XXXX and sent XXXX XXXX most of my personal documents such as my current California driver license, my Social Security card, my XXXX XXXX Police report and my XXXX XXXX County work ID. XXXX XXXX sent me a letter dated on XXXX XXXX, XXXX stated that it will remove my fraudulent account within 45 days. I checked with XXXX credit bureau and noticed there was XXXX XXXX XXXX account on my credit report. Why is Experian still refused to remove my fraudulent XXXX XXXX account on my credit report? Experian stated that it contacted the " data furnisher '' and found out that I filed a " credit card lost or stolen '' in my report. This is an absolutely XXXX false statement by Experian or the " data furnisher. '' I would like to know which " data furnisher '' made this claim and with a written proof of documentation in order to verify the authenticity. I would like for Experian to send me the name of the " data furnisher '' and send it to my house so that I can contact the " data furnisher '' myself in order to conduct my investigation or have my lawyer conduct the investigation in a court of law. The only thing I claimed was that I was a victim of Identity Theft and that my identity was stolen. I sent out most of the merchants a XXXX XXXX Police report, my current California driver license, my Social Security card, my DMV bill, my property tax bill and/or my XXXX XXXX XXXX work ID in order to prove my identity. I have NEVER filed a credit card lost or stolen in my entire life. I just wish Experian would get its fact straight before it made this claim accusing me of something I have NEVER done in my entire life. I paid ALL my bills on time throughout my entire life and obey the law. Experian should conduct a thorough investigation before it accused me of something that I did NOT do in my entire life. I have ALWAYS paid ALL my credit card bills on time without penalties throughout my entire life. I owned a townhouse since XXXX because of my excellent credit score of XXXX points. I was approved of my refinanced last year on XXXX XXXX regarding my townhouse because of my excellent credit score. Experian has ruined my life, my excellent credit score of XXXX points and still refused to assist me. Experian accused me of filing a false credit card lost or stolen. I have NEVER filed a false credit card lost or stolen in my entire life. There are XXXX things in my report ONLY : 1 ) XXXX XXXX XXXX or XXXX XXXX in regards to my townhouse that I owned since XXXX 2 ) XXXX XXXX Credit Card 3 ) XXXX XXXX XXXX 4 ) XXXX Credit Card Everything else should be removed or deleted since I have already contacted the merchants that I have disputed due to Identity Theft or Fraud since I have been a victim of Identity Theft. I have in my hands a proof of letter from XXXX XXXX that it will remove my fraudulent account since I cooperated with XXXX XXXX with the investigation by sending them a police report, my driver license, my work ID and social security card. Experian still refused to remove the XXXX XXXX fraudulent account on my credit report. Experian failed to investigate my report thoroughly while XXXX exceeded my expectation with the investigation by removing XXXX XXXX on my report. Why is it Experian hated me so much and caused me tremendous amount of stress, anger and frustration in regards to my excellent credit score of XXXX points that I have ALWAYS maintained? I would like Experian to assist me by bringing back my score of XXXX points again. Thank you.

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