Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: AL
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:
There are negative accounts on my report that are mine but there are accounts that show up around the same time that clearly arent. If you did the investigation you claim to. You would see these accounts arent attached to any address I have lived at, they dont have my signature and they are attached to someone who opened an account in my name. Even XXXX  has acknowledged this fact. 
I have provided FTC Affidavit.

I have explained my identity was stolen.

I have provided a police report.

The law is clear here. You are in violation of the FCRA 605B. This is my 3rd time writing to you, so you have multiple violations of the FCRA which I am willing to file a lawsuit. To save us both time and energy I am only asking for you to follow the law and remove these erroneous items from my report. 

Besides identity theft, my lawyer and I have found multiple violations. 

Addresses I have sent you bank statements and my drivers license proving my only address. Yet you still show multiple addresses I have never lived at. 

This is my only address : XXXX XXXX XXXX XXXX XXXX, AL XXXX How can someone live in 8 places at once? You have 4 different addresses that look similar. You are clearly getting me mixed up with someone else.

Personal Statement You put a personal statement on my report acknowledging my identity theft. You locked my credit report and you put a block on my credit report, but you did not remove the items that are the result of identity theft. Your bureau had months to investigate and find physical proof of me opening these accounts. You found none. You did not even reach out to the officer on the police report. Delete these items.

Disputed Accounts XXXX XXXX Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : You claim the Credit limit is {$300.00} but you also say the amount owed is {$680.00}. Delete. 

XXXX XXXX XXXX/XXXX XXXX XXXX Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : You claim the Credit limit is {$300.00} but you also say the amount owed is {$430.00}. Dispute reason 3 : You allege account was closed with {$430.00} balance but you also say the balance is {$430.00}. How can it be a higher balance after it was closed? Delete this account. 

XXXX XXXX XXXX - Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : You claim the Credit limit is {$300.00} but you also say the amount owed is {$630.00}. Delete. 

XXXX XXXX XXXX  XXXX Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : Theres no status, no balance owed. Delete this account. 

XXXX XXXX XXXX  XXXX - Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : You claim the Credit limit is {$500.00} but you also say the amount owed is {$830.00}. Dispute reason 3 : You allege account was closed with {$830.00} balance but you also say the balance is {$830.00}. How can it be a higher balance after it was closed? Delete this account.

XXXX XXXXXXXXXXXXXX - - Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : You claim the Credit limit is {$1000.00} but you also say the amount owed is {$1200.00} Delete. 

XXXX XXXX - Dispute reason 1 : This account was opened fraudulently or is collecting on an account that was opened fraudulently. Delete. 

XXXX XXXX - Dispute reason 1 : Account was opened fraudulently. Dispute reason 2 : You claim the Credit limit is {$300.00} but you also say the amount owed is {$660.00}. Delete. 
XXXX XXXX XXXX  - Dispute reason 1 : You claim the Credit limit is {$300.00} but you also say the amount owed is {$420.00} and then you say that the status balance is {$400.00}. This is confusing. Delete. 

Dont try to sneakily change or update these issues on my credit report, delete them. I have my report as of XX/XX/XXXX. FCRA says you must remove inaccurately reported accounts. To change the item instead of deleting it will be a violation and I will have evidence for a civil suit.

Attachments : FTC Affidavit Police Report FTC 605 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 explanation