Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I received the notification from Experian Report on XXXX, saying XXXX XXXX XXXX XXXX has flagged my account as Collections. Since I am sure I did not owe anything so I checked the company named as " XXXXXXXX XXXX XXXX XXXX '' as soon as possible. Information showed here : Company : XXXXXXXX XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX ; Balance : {$310.00}. I called them quickly on XXXX, and they told me they can not find any record in their system including my name and my date of birth, so I do not need to worry about that and could submit a dispute report with Experian , which should be fine. 
Therefore, I called Experian to submit a dispute report on XXXX quickly and they opened a case for me to investigate the thing. However, on XXXX XXXX I received the result from Experian, saying the Collection would be remained, since " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. Then I looked for the details, and I saw this report showed XXXX names, XXXX is mine, " XXXX XXXX '', the other is " XXXX XXXX '' I can not recognize. I promise and make sure I never used other names and never know the " XXXX XXXX ''. Thus, I called the Experian firstly to ask for the reason of the dispute failure. However, the person was indifferent and said nothing they can do and it is not their responsibility to link XXXX names together. Also, they told me because I was associated with XXXX in XXXX XXXX before, so it might be the reason I owe the money. However, I moved from XXXX apartment XXXX years ago, which is so ridiculous and irresponsible. Even though, I called XXXX to check whether I need to pay any money to them and they helped me to check and told me " no ''. On XX/XX/XXXX. I received the letter from the debit company. But as I said before, I am NOT XXXX XXXX and before the debit company confirmed that my name is not linked to XXXX XXXX and reported XXXX XXXX 's case to three credit bureau departments individually but only Experian reported the thing. In conclusin, I felt there would be identity theft with Experian. Even I resubmitted the Experian again, but I can not trust neither of them, XXXX XXXX XXXX XXXX and Experian. I have submitted a complaint before but nothing could be solved from the debit company. It looks like because me, XXXX XXXX and the person, XXXX XXXX, has similar first and last name and we all lived in XXXX XXXX XXXX before so Experian mixed us. I hope this record can be removed from Experian as soon as possible since it impared my credit score for XXXX points and limit my activity in the future. Thanks for your patience to read my message and I hope that could be solved as soon as possible. To be specific again, I am not XXXX XXXX, and I only have XXXX name XXXX XXXX.