Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
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:
Hi, I am in the process of purchasing a home and pulled a copy of my credit report and noticed a lot of inaccuracies on my file. 15U.S.C 1681 I contacted each bureau ( XXXX, XXXX, Experian ) via certified letter addressing the concerns I was having but was only met with no help removing the items I have stated. Below are the exact dates, accounts sent to each bureau. 

Date : XX/XX/XXXX Dear XXXXExperian : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account, please remove it. 

Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account, please remove it. 

Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The payment history of this account is wrong, please remove it. 

Account : XXXX & XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account, please remove it. 

Below I sent another letter via certified mail to each bureau ( XXXX, XXXX, Experian ) stating my concerns about more wrong information on my credit file and also my correct information but received a letter saying : also included was my completed Identity Theft Report with each company listed on my credit report that are fraudulent accounts. I included 3 different items to properly identify who I am and my correct information. 

" We applaud you recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. " we recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. '' -XXXX  XXXX We have received your request concerning blocking of certain information on your XXXX  credit file. Please be advised that equifaz, at this time, is not blocking information you named in your request, pursuant to section 605B ( c0 of the fair credit reporting act. We are however contacting each company that provided the disputed information to verify the information on your behalf.-XXXX  Today is XX/XX/XXXX Report data resource : XXXX/Experian My one and only correct First and Last name is : XXXX XXXX My correct and legally obtained SSN is : XXXX My current correct Address Street Number , Street Name, City, State is : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX My one and only Date of Birth is : XX/XX/XXXX To Whom It May Concern : I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 
My one and only correct First and Last name is XXXX XXXX and I have no other requisite reported names or aliases. Please remove all other versions of inform similar or alleged as being my name from my credit report. 

My current correct Address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Please update the information in my file to reflect ONLY my above mentioned true accurate current correct address and remove any & all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. 

Please remove all alleged employers that are listed on my report. 
Please remove all phone numbers that are listed on my report, otherwise please provide proof that you have verified them to be completely accurate and perfectly factual and certifiably compliant in its reporting. 
I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information. 

In accordance with Consumer Protection laws, I request that these NOTED items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified compliant and verified valid claims that are true and as reported, I do not give you permission to publish any outdated or Repost me. I understand that you must complete this update within 30 days of receipt of. 

Please send a letter verifying your absolute and total compliance to the above address, along with cre-fit report. 

Thank you for your prompt and timely help in this matter. 

Below are the items I have personally addressed with the credit bureaus and have not gotten help removing. The items are not mines and I would like them removed immediately. 

Accounts affected by Theft on my report : company : XXXX XXXX XXXX account number : XXXX amount : XXXX company : XXXX XXXX XXXX account number : XXXX amount : XXXX company : XXXX XXXX XXXX account number : XXXX amount : XXXX company : XXXX XXXX  account number : XXXX amount : XXXX company : XXXX XXXX XXXX account number : XXXX amount : XXXX company : XXXX XXXX  account number : XXXX amount : XXXX company : XXXX  account number : XXXX amount : XXXX company : XXXX XXXX account number : XXXX amount : XXXX Account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) Balance : XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) Balance : XXXX Account : XXXX XXXX ( XXXX ) Balance : XXXX Account : XXXX & XXXX XXXX ( Original Creditor : XXXX  ) ( XXXX ) Balance : XXXX

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 non-monetary relief