Consumer complaint received 2020-12-27
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:
I have contacted Experian credit reporting agency on numerous occasions asking them to clear my credit report of false and inaccurate reporting under my name and my social security number. I have spent countless amounts of money sending Experian certified letters and supporting documentation proving to this company that I am the victim of Identity theft. I have been fighting with them for months now trying to get my name cleared of fraudulent account that do not belong to me. This company insist that they have found the accounts to be accurate and they refuse to remove these accounts. The companies claim that there were several payments made to these accounts in the past, I do not care those payments were not made by me!!! I am the Victim of a haines crime and I want my name cleared of these charges immediately. I feel like I have been robbed twice, by the person who stole my identity and the Experian, By law if the company has not provided any proof bearing my signature that shows that these accounts belong to me then they have to be removed and Experian refuses to remove these accounts, I know that this information has not been provided because my initial disputes started with the actual reporting agencies and I still did not get any proof that these are debts that I owe these companies. I am asking for my reports to be cleared of the account of XXXX XXXX in which they claim I owe {$5400.00} opened on XX/XX/2017, it shows like XXXX charge offs and 6 late payments also shows as a closed account. Please again also note that a company sending itemized print outs of billing and itemized payments made to these accounts is not any type of proof that these debts belong nor have ever belonged to me, my proof of my Identity Theft reports more than prove that I am a victim of these crimes, I have sent all the required documentation to this company and they still refuse to ignore my request to clear my credit reports immediately. CFPB I am asking you to step in. 

PLEASE NOTE : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compli- ance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag- es per violation for : Defamation Negligent Enablement of Identity Fraud My Identity Theft Report Case # is XXXX My Police Report Case number is XXXX Attached is supporting documents that have been sent to XXXX in certified letter over 5 times.

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