Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 



This derogatory account showed up on my credit file on XXXX XXXX for a rental/leasing named XXXX. During this time, I was in a rental agreement and living at another rental/leasing named XXXX from XXXX XXXX, XXXX until XXXX XXXX, XXXX ( lease agreement attached ) and returned the apartment in good standing at XXXX. Prior to that, I was living at XXXX at XXXX XXXX from XXXX XXXX until XXXX XXXX ( a copy of that lease is also attached ) I wrote to the collection agency XXXX XXXX XXXX requesting validation and received no response. Also the amount on this debt is different from the monthly rent which is stated on the lease agreement attached. 

I have escalated to Experian the fraud and lack of validation by the collection agency multiple times with no success. Every time, they put me in a repetitive process of re-investigating the account to later stating that they verify the account and failing to correct the reporting of this account. The only verification Experian has done is verify my name and the amount of this debt allege by the collection agency ; which is inaccurate and false. Following the FCRA, Experian needs to perform an investigation of this allege debt ensuring that it is accurate and complete, and all Experian did was verify my name and amount of the debt which was provided to them by the collection agency. This verification is not sufficient and is a direct violation of the FCRA. This account was placed on my credit file in error and Experian failed to correct the reporting of this account. 

This account is mistakenly on my credit file and needs to be removed. 


summary1 ) This account is mistakenly on my credit file and needs to be removed. 
2 ) the collection agency failed to validate the account within the require 30 days time frame3 ) I was living at a different rental/leasing and was currently under a lease when this account showed up on my credit file. 
4 ) After multiple attempts on escalating this issue, Experian failed to correct the problem. 


On report XXXX - After an allege investigation I received a response from Experian UPDATED with no additional informationOn report XXXX - After an allege re-investigation, I received a response from Experian UPDATED with no additional informationon report XXXX - After an allege re-investigation, I received a no response from Experian UPDATED with no additional informationon Report XXXX - after an allege re-investigation, I received a response from XXXX " Unless you send us additional relevant information to support your claim, we will not re investigate this information again. 
on report XXXX - after an allege re-investigation, I received a response from Experian " Unless you send us additional relevant information to support your claim, we will not re investigate this information again. 

Again, My leased rental property from XXXX XXXX XXXX until XXXX XXXX XXXX was XXXX, and this allegation is for a rental property named XXXX for a different amount. I tried to reach out to this collection agency and they failed to validate this account and Experian is reporting this account on my credit file in error, even though I have escalated and provided evidence that this account is not mines, Experian repeatedly delays the process of correcting this mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation