Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several disputes with all three reporting agencies. But the one I would like addressed is EXPERIAN. I sent all three agencies certified dispute letters with documentation, and never received a response back from any of them. EXPERIAN has the most inaccuracies I have ever seen. and they are the most unfriendly obnoxious people I have ever dealt with. I am in the health care field and I deal with a lot of personalities but they are just plain rude. They have incorrect address listed on my repor t. One is the  address of a post office and it is listed twice. There are at least  three that I never lived at EVER!!! And the rest are addresses I have not lived at in 15-20 years.How can mail be deliverable in my name to those addresses I have not lived at. They have several phone number s listed that I have not had since cell phones became the biggest thing. They are reporting the wrong date of birth as well. They are reporting employment that is not accurate AND!! they have a spouse listed on my report that IS NOT MY SPOUSE!!!! And even it they were my spouse that 's not any of their business to even put that on their. They have My last name completely wrong. And they currently have me living i n two pla ces at the same time. All they say is everything has been updated and current as of   XXXX   XXXX   XXXX  . I have been living at the same address for the p ast four years  now, and they have me living in several other places as well. I have asked in letter form as well as in a phone conversation to have these items removed and corrected. Only to never hear back at all.     I have provided documentation regarding a bankruptcy that is  nine ye ars old from the courts informing me that they have nothing to do with the reporting only to be told by experian that the courts are the only ones that can remove it. I have an eviction that I was unaware of until I started researching all of my credit reports. This eviction is listed  four times  on my file. I contacted the courts because I was not aware of these evictions and they responded back in letter from telling me the court documents have been destroyed. I consulted with an attorney and was advised to reach out to EXPERIAN. I have sent certified letters to EXPERIAN only to be disregarded. They have also reinstated  three ti mes a removed collection.   XXXX   XXXX   has been added twice as a negative and it is also listed as a positive. It was removed a few years ago and has been recently re-added and updated as a negative.   XXXX   XXXX   XXXX   is listed on EXPERIAN also as having  five late  payments. I have reported to all three agencies that it was late because of the inaccurate addresses reported. The company was sending me letters to the wrong address. It was n't until I called them to update my info is when I found out about the late charges. The company has stated that the agency has to update it on their end, but they refuse, saying they are not allowed to remove the late payments. There are  XXXX  loans listed that were  discharged in a ba nkruptcy back in   XXXX   and have magically reappeared back on my reports   XXXX   XXXX   and  XXXX . EXPERIAN has listed them as derogatory and all three agencies have them listed as current or recent. Again, I have sent proof and disputed this several times over showing it was listed on the bankruptcy report and they have refused to remove it. None of the negative reports even have an account number. Its just a few numbers with a bunch of  XXXX  's on it. I have been busting my tail off trying to get my credit in good standing. I have reviewed and documented and spent a lot of money on stamps, envelopes and certified letters. I have been doing everything by myself trying to right all the wrongs, and to see the amount of inaccuracies from this reporting agency makes me sick, and the arrogance of their employees and how rude they are makes them no better than a collection agency. Those list of incorrect addresses makes me look unstable and puts me at a high risk level when I try to apply to credit. They have n't even sent me an updated credit report or even acknowledged the disputes. I had to go an purchase my report to follow up, and that 's when I saw all the inaccuracies. Please someone look into this. I have worked to hard to get where I am today. I would never put myself through any of this if it were accurate. And all those addresses are ridiculous.

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