Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need someone at the Experian credit bureau to SLOWLY READ this Dispute! I do not need someone who doesn't understand what's going on, nor doesn't care to help me. 

I have been a victim of identity theft for several years now and every 2-3 years, something weird happens to where a credit card is opened in my name, a payday loan is opened or something similar. 

Currently, I have a credit card THAT IS NOT MINE, reporting to my Experian credit report XXXX XXXX XXXX XXXX Account Number : XXXX When this account was reported to my credit report, it also added a new address to my credit report in a completely different state than I live in. 

I have disputed this account before and Experian has deleted it. Then the account reappeared on my credit report 3 months later, I disputed it again and it was deleted. 
Now with my luck, Experian is allowing the account to report AGAIN and i disputed it a few weeks ago through the CFPB portal report # XXXX and Experian is claiming the account is mine. This is becoming very frustrating as it's quite easy to see the account is NOT MINE.  Everything on my credit report is in good standings and I recently paid off every credit card on my credit report that i own. 
How on earth is Experian stating this account is mine when I live in LOUISIANA and the address reflecting off of the account is from WYOMING. I never lived there a day in my life! 

Please DELETE and BLOCK the following from my credit report : 1. XXXX XXXX XXXX XXXX Account Number : XXXX 2.  XXXX XXXX XXXX XXXX, XXXX XXXX from my credit report Identity theft is a real thing and happens everyday. I will not stop until these two things are removed! 
IDENTITY THEFT ( NOUN ) -the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. 


Please remove it from my credit report. You are allowing a Fraudulent account to appear back on my credit report after you have already deleted it TWICE. The account placed a WRONG address on my credit reports as well! I never lived at XXXX XXXX XXXX XXXX, WY XXXX. Why am I still battling with you to delete the Wyoming address. I never lived in Wyoming!! I pay all of my bills on time and have zero negative items on my credit report. Experian has deleted this item on XX/XX/XXXX report # XXXX, Then again on XX/XX/XXXX report # XXXX. On XX/XX/XXXX, Experian responded to my CFPB complaint # XXXX that the account is not appearing on my personal credit report. This is the THIRD time it has been deleted and still apperaing on my credit report! Experian responded : " According to our records, the disputed information does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. '' 1. The following account is not mine XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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