Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: OH
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 have made multiple attempts to have incorrect information removed from my credit report through contacting Experian directly and filing multiple complaints to CFPB. With no results or responses that absolutely make no sense once or ever from Experian. Stating the data does not appear at all when everyday I pull my credit report daily though the daily monitoring feature from Experian. It is still clearly a part of the report. 

PLEASE SEE ATTACHED : SCREENSHOT of HIGH RISK XXXX XXXX  Account still reporting in error on my credit profile. 

The data is not mine and it needs to be removed completely. 

It has affected my access to lending products because the inaccurate data states that I am a HIGH RISK due to a XXXX XXXX Account that I never had nor have currently. 

WHEN REACHING OUT TO EXPERIAN DIRECTLY TO RESOLVE THE ISSUE : On XX/XX/2022 once again I called Experian and finally by the grace of XXXX got to a 'live representative ' after multiple attempt to navigate the maze of automated phone prompts. I was transferred to 3 different departments. 

The gentleman in the fraud department was the the representative who helped me thoroughly go over the current credit report, line by line and stated he could not see any reason or account current or closed that was classified as a XXXX XXXX Account and didn't understand why the was on my report either. He initiated an internal inquiry the the " back office '' the also have the HIGH RISK XXXX XXXX Account tag removed, as well. 

The gentlemen also stated that it had to be an error and that the tag and comments should not be there, because the only account he could possibly see associated with it was an account that was not mine and removed last year. Due to a reporting error. 

The account belonged to another person with a similar name who live in a completely different state who was a different gender and age. 

This was also verified by the creditor themselves and the creditor apologized for placing the data on my report and sent over documentation to Experian, XXXX and XXXX to remove all data relating to the account from my credit reports stated to each Agency that it was an error on the creditor 's behalf. 

So once again as stated earlier the representative initiated an internal inquiry the the " back office '' the also have the HIGH RISK XXXX XXXX Account tag removed, as well. 

Thus instead of removing the data, my profile name and address was changed to a completely different person. Thus, causing even more panic another 2.5 hour phone experience. Fraud alerts and proof that someone on the back office intentionally put incorrect data on my report to lower my credit rating. Verified by the Experian Customers ServicXXXX Representative who helped on XX/XX/2022. 

This representative also imitated an internal investigation in to why the " back office ' changed my entire name, address and information on my Experian Account and Membership just to keep the : HIGH RISK XXXX XXXX Account tag on my account. 

PLEASE SEE ATTACHED : SCREENSHOT of Changed data in retaliation for dispute of information. 

And to this day for some reason Experian continues to associate a XXXX XXXX Account with my credit profile that was never mine to begin with and keep that tag on creditworthiness as HIGH RISK. Which is in complete contradiction to my my payment history, which is Exceptional with no missed payments or late pay or delinquent payments ever. 

PLEASE NOTE : XXXX and XXXX immediately corrected the the same issue and made sure to remove the error HIGH RISK XXXX XXXX Account association from my credit profile. 

This is solely and EXPERIAN issue with regards to this matter. 

My request is to : 1 ) Provide the supposed Account Information attached to HIGH RISK XXXX XXXX Account profile. EXPERIAN claims it is a an account either active, inactive or reported in error. As there is no account currently open or closed on my credit report that fits the profile of a HIGH RISK XXXX XXXX Account. ( Basically provide the proof to justify the comment in the first place ) 2 ) Have EXPERIAN remove the comment completely from my profile as it is in error. 

XXXX ) Provide physical proof the HIGH RISK XXXX XXXX Account on my profile be removed to both CFPB, XXXX. I would also want proof sent to me via USPS postal service to my current address listed on on file with Experian. ( Updated Full Report with comment and Remarks including Back Office Notes and Comments un-edited. ) ALSO NOTE : That a formal complaint will be forwarded to the FTC if this goes unresolved again and the data is not finally corrected, as this has not been the third attempt to get this rectified by using CFPB as a third party arbitrator. As well as a civil rights complaint due to intentional discrimination and bias to keep inaccurate data on my credit profile.

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