Consumer complaint received 2024-01-26
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. (LA)

Experian has been refusing to remove inaccurate and unverified debt off my credit report. I've submitted several letters and I have called and asked for verification methods and have gotten nothing! They keep saying they are looking at my disputes but quickly close them and just say thing have been updated/verified but have not shared how they performed these methods. 

I've asked these companies for verification of debt and I either got nothing or got photocopies of alleged bills from other companies that have addresses that are not associated with me. 

I reached out to Experian to verify accounts via mail on XX/XX/XXXX. I had several collection accounts in question and Experian has said all but one came back verified. According to the FCRA and me being a consumer, I have a right to ask what methods of verification that Experian did to come to this conclusion. I asked twice via mail and the CFPB and they have ignored these requests. I have also did factual disputing as the collection agencies in question have been reporting different dates. I NEVER opened accounts with these companies and it's been over the required 30 days and Experian keeps giving me the run around and refuses to delete these. I am considering arbitration against them now. The below are in question : XXXX XXXX XXXX - Never sent a 1099 yet, Experian has them reporting as a collection/chargeoff. They also don't have any original documents to state this debt is mine but instead harassed me via email and included my personal information which is a violation of numerous laws ( 15 USC 1962 B ( 5 ), 15 USC 1962 C ( A ), and 15 USC 1962 D ( 2 ) ). The same is for the following accounts : XXXX XXXX XXXX - I reached out to them and they NEVER provided me proof of debt. What they sent were photocopies of alleged bills that are not mine and are for addresses that are not associated with me. Matter of fact, Experian is reporting the same account twice and they are one of 2 collection companies reporting the same debt XXXX XXXX - I reached out to them and they NEVER responded or provided me proof of debt XXXX - They did not send any proof of validity of debt. A bill from another company does not follow the guidelines set up by the FCRA. They also broke several violations listed above. They said they mailed me in XXXX. To what address? What proof? I only have one address and they never sent anything. XXXX XXXX XXXX - They never responded to me so how did Experian get them to respond? As you can see, Experian is in several violations of my right as a consumer. They were informed by me and the CFPB of Identity Theft and these debts not being mine and yet continue to keep them on my account and lower my score each time I call. 

I called the Fraud Department to get addresses that I have never lived at or been associated with and they removed some and lied and said they would remove the rest but have not. 

They also keep sending me stall letters and emails asking for copies of my personal information that I always send them during each communication. 

I also sent a factual dispute request. All of these accounts in question are tied to addresses I never lived at or are reporting wrong which is illegal. ALL SHOULD BE REMOVED ASAP!!!