Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting information which they claim they 've verified but when confronted about their procedures have failed to provide any further information. On XXXX XXXX, 2016, I disputed XXXX accounts with them XXXX XXXX XXXX, XXXX & XXXX. I did not recognize the account nor the information on it. On XXXX XXXX, 2016 they sent me back a report claiming they had verified all the accounts. So on XXXX XXXX, 2016 I sent a second letter requesting further investigation & requested they provide me with the proper documentation they received from the companies who were furnishing Experian with verification. On XXXX XXXX, 2016 I received a letter claiming they 'd already disputed the accounts & I need to contact the data furnisher. So on XXXX XXXX, 2016 I sent Experian another letter requesting the method of verification used in their first dispute and followed it up with letters to the data furnishers. I sent the letter Certified to make sure it arrived on time. Tracking # XXXX. It has now been well more than 30 days since Experian received the letter & XXXX XXXX XXXX, XXXX & XXXX have received theirs, and I have not received one letter from Experian, XXXX XXXX XXXX, XXXX nor XXXX. The FCRA has strict rules which apply to the publishing personal information. They claim to have verified the account in question, however none of them have provided any verifiable proof these accounts belong to me. SO I 'm challenging Experian on all their investigative merits. They claim these accounts have been verified. If so, then I have a few questions ... How does an account with no address identifier get verified? This information just on its face is inaccurate & needs to be removed. Additionally, since neither the credit reporting agency ( CRA ) nor the date furnisher ( DF ) have done their due diligence & provided me with any information which substantiates their position then I believe their investigation procedures were flawed. As a consumer the FCRA is in place to eliminate any CRA or DF from not adhering to the law. I believe not one person reviewed my file & just used the automated credit dispute verification ( ACDV ) forms, thus making the possibility of error even greater. I would like this matter resolved immediately as there are severe & gross violations taking place with my report. And this matter has caused me great emotional & now financial stress. If this matter is not handled with the shiftiest & most accurate methods of verification I will be seeking a legal remedy. In addition I would love to see a signed contract which substantiates the validity of these accounts. Without one, then there is no contract & Experian nor the data furnisher have the right to report it. Please remove it at once. 
One last thing - Experian is still reporting inaccurate information in regards to my name. They claim they ca n't remove XXXX XXXX. This is not my name & unsure why they 're unable to remove it. That alone is another reason why I 've become irritated with their games & seek a resolution.

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