Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: NV
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, I have disputed these accounts/ bankruptcies numerous times and this fraudulent address that is incorrectly showing on my credit report. I have not choice but to obtain a lawyer to resolve this situation. Not only have I sent in a FTC Identity theft affidavit, a copy of my passport, and a utility bill which are all valid forms of documentation to send in for consumer verification and still receiving the same results " VERIFIED ''! I did not send you this information to be verified I stated for you to " INVESTIGATE ''. Verified and Investigate have two separate meanings. The address XXXX XXXX XXXX, XXXX Ohio XXXX of course will be correct because I'm sure the address exist in the United States but do the address belong to XXXX XXXX of XXXX XXXX, Nevada NO IT DO NOT! I have reached out to Ohio bankruptcy court only to know for a fact they do not verify and information on the phone nor via email to anyone including 3rd party agencies which is what you fall under so for you to state you verified this information is FRIVILOUS! The bankruptcy courts do not provide full social security numbers so to take the last 4 of someone social security number and decide to attach it to someones credit is ridiculous. E-oscar which is a number system that you use, you do not speak with any human for this software program nor is there a phone number where you can call and speak with a human. I have also reached out to these credit companies myself only to not get any information from them bearing my signature stating I will be responsible for these accounts. These credit card companies do not have no copy of a credit agreement with my signature, no utility bills, no copy of my passport NOTHING! 

These accounts that do not belong to me are : XXXX XXXX - I do not own a vehicle XXXX XXXX - I do not own a XXXX vehicle XXXX   XXXX  - I have no clue what and who this is! 

XXXX XXXX  - I do not own a home XXXX XXXX - Never had an account  can not provide signed credit agreement XXXX/XXXX XXXX XXXX  - never had an account can not provide signed credit agreement XXXX XXXX - never had an account can not provide signed credit agreement XXXX  - never had an account can not provide signed credit agreement XXXX XXXX - never had an account can not provide a signed credit agreement. 
XXXX - never had an account can not provide signed credit agreement. 
XXXX/XXXX XXXX- never had an account can not provide signed credit agreement. 
XXXX - never had an account can not provide a signed credit agreement. 

The burden of proof is not on the victim of identity theft it is on the credit card companies to prove we own the account. Any one can verbally say something belongs to someone but without some sort of physical documentation with someones signature there is no proof. I did not call these creditors and give them my address to update in there system on an account that do not belong to me so if they have my Nevada address this is considered malicious fraudulent activity some of them asked for correspondence purposes only to clear up this issue. The XXXX XXXX XXXX address was removed from Experian then put back on without any knowledge to myself. I have tried to rectify this problem but Experian would rather be sued again and pay more money to me ( the consumer ). 

Remove immediately the XXXX address, the bankruptcy and the accounts that were not validated! I do have a consumer attorney and I sent this dispute via certified mail to make a papertrail to take Experian to court.

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