Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XXXX ( last month ) I was checking my credit accounts looking for anything not looking right. I have had 11 times in 18 months had charges on my debit cards not made by me. I spotted 3 accounts not mine at all and I filed an Identity theft report immediately. And then I disputed those on experian. I sent them the FTC report I put all the accounts in the dispute and a copy of the FTC report my driver license ssn and utility bill or bank statement to prove my identity So I have done everything i was told to do. I get 2 letters from them in the mail stating they have my ftc report and that they still need more info or my identity theft accounts would remain and not be blocked. The " more info '' made no since to me as they were asking for all pages to the ftc report and verification from law enforcement agency that a report was filed. They dont know that FTC is law enforcement.But I had already sent them all the pages from FTC report and when I called to ask what more pages do they need me to send please clarify they gave me answers like '' just wait 30 days for the investigation to end and you get a report from us. and im not going to put all the XXXX answers I got in here because this is just too much for me to type in here..And makes not 1 bit of since. So then a few hrs later I get an email saying AGAIN a report was updated nothing removed just remained in my file unchanged reporting the fraud accounts. 

and the other Credit account that is mine XXXX that was reported as charged off not paid when in fact it was paid no amount should have been on it at all for charged off amount. I have received 2 emails from Experian telling me my account was updated. 
and was not changed. 

I have proof the XXXX was not unpaid, XXXX  has it marked closed paid in full. 

I have done all I can do This CRA is abusing their power over me by giving me the run around to get things done and all they do is send email telling me they updated an account. They did not investigate anything. They just ran a code and no human was ever contacted. Their updates reflect no changes to my reports. I pay for this and I get treated like im nobody. They are in violation of the FCRA ( 605 ) B and I demand they block information that was acquired as a result of fraud. The only other thing left to do is take them to court and sue them. 

I also in a rush to get this info to them added 1 account that should have not been in the mix, I did not report it in FTC report but ADDED IT IN THE RE [ PORT TO THEM by accident when I was uploading from my computer to their website. I could not think of what that one was called and they refused to tell me.They only said that a account that was sent to them was not in the FTC report so there will be no changes to that account. 
Real nice people. .. They do nothing to try and help. tHEY only make matters worse.

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