Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: GA
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 am submitting a complaint against Experian concerning my credit report, I have sent several letters and submitted several disputes concerning my credit report and outside of a few changes everything remains the same. 

The fact that everything remains the same is an issue but it's not the biggest issue. I have taken time to contact every person listed on my credit report and was advised that there have been no actual investigations done, after getting notification of this I asked XXXX to provide me with the means in which they have verified this information and it was never provided just a simple note stating " verified-remains ''. I have worked with XXXX XXXX, XXXX and various other reporting services and none of the information on those reports even match what XXXX is reporting. I am an identical twin and her file is mixed with mine I have also reported this, I have also asked for freezes to be in place and even with freezes inquiries are being placed on my report that I did not authorize. This is a violation of their duty as a credit reporting agency to ensure that they are following the correct protocols and reporting correct info but they are also not following E-Oscar or Metro 2 protocols. Here are the accounts that I have disputed on several occasions and they are not actually investigating because if they were they would have the same information the actual company is showing Names- XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX -duplicate Name ID # XXXX XXXX XXXX XXXXL Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Accounts Account NameXXXX XXXX   Account NumberXXXX Account NameXXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX  Account NameXXXX  XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX/XXXX Account NumberXXXX Account NameXXXX/XXXX XXXX Account NumberXXXX Account NameXXXX/XXXX Account NumberXXXX Account NameXXXX/XXXX duplicate Account NumberXXXX  Account NameXXXX/XXXX Account NumberXXXX all XXXX  accounts need to be reviewed most are past 7 years, and have been deleted and reinserted with new times entered for deletion, for example how is an account added in XXXX on my report until XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX   | XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also several XXXX XXXX and XXXX accounts from XXXX still reporting on my report that of course fall outside of the 7 year mark and should not be reported. 

Revolving Accounts- These are not my accounts and the companies have verified my name and social do not come back with an active or inactive account, it does come back with my sisters info though. If they have verified with these creditors I need to know who verified them. 

XXXX XXXX XXXX XXXX XXXX/XXXX | XXXX XXXX   XXXX/XXXX | XXXX XXXX XXXX/XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Collections- These are not my medical accounts I have spoken to the actual medical providers and the account that I do have with our local hospital I make payments on and the account was never referred to collections, the collection agency was unable to pull me up by name but had the last four of my social, the patients name does not match mine. Again if this was verified who verified it and when and provide a reference number from the verification. 
XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public record- I have verified with the bankruptcy courts here in XXXX  ga that they will not and have never verified this information with any credit reporting agency because this record does not exist for me, this record belongs to my twin sister. 

Record Details Record TypeChapter XXXX bankruptcy discharged Date FiledXX/XX/XXXX Date ResolvedXX/XX/XXXX ResponsibilityIndividual Reference NumberXXXX Reinvestigation InformationThis item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On Record Until XX/XX/XXXX Inquiries- I have not authorized these and I have asked for freezes to be placed on my report where creditors have to contact me in order to extend credit to verify its me. I removed this freeze today because it was redundant to have if its not going to be adhered to. 

XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/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 explanation