Consumer complaint received 2019-11-21
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:
Experian which is a consumer credit reporting agency that is supposed to abide by the FCRA Laws continually violates all consumer rights provided under said laws, and continually reports fraudulent accounts on my consumer credit file, I have submitted my FTC Identity Theft Affidavit to the company, They refuse to block the fraudulent account 's stating they have verified that the information is accurate. However the information is not accurate, XXXX XXXX XXXX sent me a letter recently of correspondence advising that the Cards for the the account ending in XXXX was charged off but the card was sent to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Which is also listed on my FTC Affidavit as a fraudulent address. Experian blocked said fraudulent address however, is stating they verified the information with the creditor and that it is accurate. Experian refuses to provide documentation. The Accounts are not verifiable, The Company even admitted to opening the investigation as Transactional fraud, I never called in to report this as transactional fraud however the company mistakenly allowed the perpetrator to " Chat in online and report the first account as transactional fraud '' I called in on XX/XX/XXXX and told the company, I see this account on my Consumer credit file and that it is application fraud as I never opened this account. Instead of investigating the issue XXXX  again just reports it to the credit bureau and Experian believes whatever the company says because Experian said this is their " Vendor '' and they have to agree to unblock it, Yet experian cites it was material misreprensentation or I received benefits from this account, How can I receive benefits from the account when I didn't apply nor receive any cards from these? The Creditor themselves reopened this account 4 TIMES without my authorization each time citing transactional fraud, when it actually was APPLICATION FRAUD, because I never applied and the employment they have was also fraudulent. This company is very accusatory and they write lies. These two accounts were opened fraudulently. My FTC Affidavit is a legitimate Identity Theft Affidavit, It is from the FTC it is legal, It is signed and sworn. Experian again refuses to block any accounts that are fraudulent, and they state they verify them, and or the company assures them it's not fraud yet these companies have told me numerous times they sent documentation to a fraudulent address. Which Experian doesn't actually verify nor fix the fraudulent account it should be blocked since I AM A VICTIM OF IDENTITY THEFT and I DID NOT AUTHORIZE THESE ACCOUNTS TO BE OPENED. These accounts were opened with stolen identification. Lastly Experian now won't let me even access the dispute center it says they are experiencing technical difficulties and the reason why is Experian marked my address as XXXX XXXX XXXX TX XXXX. MY ADDRESS IS XXXX XXXX XXXX XXXX TX XXXX which is what is listed on my membership yet again you update information not from USPS but from the fraudulent account companies. Again WRONG. 

1st Account - XXXX XXXX XXXX XXXX XXXX Shows only 4 payments of {$0.00} again fraudulent, and not authorized and then it shows that the account is Past due 30 or 60 days, was past due 90 days which doesn't make sense cause it says it hasn't  been updated since XX/XX/XXXX. Again Experian states they verify this account and that it's accurate yet they only show 4 months worth of data, and the company advised they sent documentation to the fraudulent XXXX XXXX address and asked If I would like them to update my address and I SAID NO because it's fraud. Loan Amount = {$15000.00} Balance showing as - {$15000.00} 2nd account - XXXX XXXX XXXX - XXXX Date shows opened as of XX/XX/XXXX Conveniently after my wallet was stolen. The company is aware and continues to lie to Experian and has no hard evidence besides saying that someone chatted them online to agree to this debt which I never did. {$4600.00} - Balance and Credit Limit shows as {$2600.00}. Again the card was sent to the XXXX XXXX Address I never lived at additionally the company advised me the email address used to register the account was XXXX WHICH WAS FOUND ON THE DARK WEB FROM MY EXPERIAN IDENTITY ALERTS, Which should further prove this is fraud. 
3rd account Experian Refuses to assist with XXXX XXXX XXXX - XXXX Balance {$870.00} Credit Limit {$1000.00} says Past due of {$95.00} opened on XX/XX/XXXX. So it seems pretty odd both XXXX accounts were opened in XXXX, again all discover can verify is that the email address that was hacked and is found on the dark web was used to chat them and was used to open the accounts. Again This account is fraudulent and Experian allows them to report fraudulent information on my credit file, refuses to actually investigate because experian advised me this is one of their vendors and they have to abide by their vendors even though this is identity theft. 
Experian Refuses to accept the affidavit refuses to assist refuses to block the accounts, and continually reports fraudulent information that is inaccurate. Refusing to assist.

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