Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the following timeline : XX/XX/XXXX : I received a letter from XXXX in response to my dispute with Experian which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit XXXX ). This was completed and sent back to XXXX. XXXX required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. 

XX/XX/XXXX XXXX : Due to the response that XXXX  submitted to Experian regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit XXXX ). 

XX/XX/XXXX : I received a letter from XXXX advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from XXXX stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to XXXX stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit XXXX ). 

XX/XX/XXXX : I received four letters from XXXX. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. 

In summary, I disputed a derogatory reporting with Experian in which a response was given by XXXX that the reporting was valid. In response, I submitted to XXXX a request for XXXX XXXX in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. XXXX did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from XXXX regarding what was done with that document. The last correspondence that I received from XXXX was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. 
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number 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