Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: AR
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:
Actions taken by me to Experian- As of XX/XX/XXXX, I have sent Experian a dispute every month since XX/XX/XXXX disputing unverified accounts that are being reported. I have requested the investigation results to inspect the results they claim were verified or certified from the stated Creditors. The following accounts are being reported negatively and are unverified : DEPT OF ED/XXXX -- XXXX -- Reported XX/XX/XXXX and states account has been transferred, however it still reports negatively. Payments were never late nor can they provide documentation of such. This account needs to be reported as paid as agreed with a XXXX  balance. 

DEPT OF ED/XXXX -- XXXX -- Reported XX/XX/XXXX and states account has been transferred, however it still reports negatively. Payments were never late nor can they provide documentation of such. This account needs to be reported as paid as agreed with a XXXX balance. 

U S DEPT OF ED/XXXX/XXXX  -- XXXX -- Reported XX/XX/XXXX is not my account and states charge off and account closed and continues to report negatively on my report. 

U S DEPT OF ED/XXXX/XXXX -- XXXX -- Reported XX/XX/XXXX is not my account and states charge off and account closed and continues to report negatively on my report. 

U S DEPT OF ED/XXXX/XXXX  -- XXXX -- Reported XX/XX/XXXX is not my account and states charge off and account closed and continues to report negatively on my report. 

U S DEPT OF ED/XXXX/XXXX  -- XXXX -- Reported XX/XX/XXXX is not my account and states charge off and account closed and continues to report negatively on my report. 

Experian refuses to correct my name even though I have sent Passport and Social Security cards, including bank statements. 

Actions taken by me to XXXX DEPT OF ED/XXXX   -- XXXX -- Reported XX/XX/XXXX and states account is closed, however it reports negatively. Payments were never late nor can they provide documentation of such. Payments are also reported inconsistently. This account needs to be updated and reported as paid as agreed with a XXXX   balance and closed. 

False personal statement-FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. I have never requested this. I contacted Experian and they stated it would be removed but it still remains. 
XXXX  continues to report a false name as I have disputed this before with proper identification. 

Actions taken by me to XXXX  -- Contacted US DEPT ED- Account number-XXXX  -- Reported XX/XX/XXXX which is reporting as U S DEPT OF ED/XXXX/XXXX  -- XXXX on Experian , and states account is closed, however it reports negatively. Payments were never late nor can they provide documentation of such. Payments are also reported inconsistently. This account needs to be deleted due to inaccurate reporting, inaccurate creditors reporting on same account and these accounts have re-dated. 

XXXX  refuses to correct my name even though I have sent verifies documentation, affidavits signed by notary public and even orders from judges from court cases. 

I am a XXXX veteran, United States XXXX, and I have been attempting to purchase a home for over 2 years, but repeatedly denied due to negative reporting from student loan companies. These are the only negative items on my credit bureaus, as some accounts are not even being mine or been verified as mine.

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