Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Summary of Facts: 
I am providing a NOTARIZED Affidavit from XXXX XXXX (co-applicant) that this account was opened with me as a co-applicant, without my knowledge or permission. This is a Material Fact, that Must be honored unless and until XXXX XXXX conducts an investigation and has Material Proof to discredit XXXX XXXX claims. 
That the balance of $XXXX  being furnished to the credit bureaus by XXXX XXXX does not belong to me. 
That XXXX XXXX has acknowledged the entire balance belongs to him and willing to pay it. 
XXXX XXXX must update Experian, XXXX and XXXX   immediately and/or within 4 days and update the XXXX XXXX credit card they are reporting in light of the evidence provided. 
*XXXX XXXX reports this account to the credit bureaus between the XXXX-XXXX of each month. In five (5) yrs. there has been not one single deviation of any month. This account has reported the balance and status for the same dates in fifty one (51) straight months. 
* XXXX XXXX is due to report this account(s) sometime between XX/XX/XXXXand XX/XX/XXXX
XXXX XXXX  will have received this complaint/dispute on XX/XX/XXXX, providing plenty of time to properly adjust what they report to the credit bureaus at the end of XX/XX/XXXX 

XXXX XXXX last reported this account to the credit bureaus on XX/XX/XXXX consistent with the previous 5 yrs.
*As a result of my dispute and claim and according to the FCRA and the FTC, XXXX XXXX MUST remove the balance in dispute and the accounts I have identified as not MINE. 
**If XXXX XXXX either reports this account as it is prior to completing a proper investigation or does anything other than removing the disputed balance and accounts, XXXX XXXX   would be deliberately violating numerous FCRA laws. 


Summary of facts: 

In XX/XX/XXXX, I opened the followingXX/XX/XXXX account as a Co-signer with XXXX XXXX; acct# XXXX XXXX XXXX   XXXX (My CARD)XX/XX/XXXXmy XXXX XXXX Credit Card was stolen and used XX/XX/XXXX: (Tuesday) I Reported the fraudulent transactions
XX/XX/XXXX I also requested my account be closed acct# XXXX XXXX XXXX XXXX. 
XX/XX/XXXX( Wednesday) XXXX XXXX, nearly 2 weeks later initiated a fraud claim
Sometime in XX/XX/XXXX XXXX XXXX reopened new credit card accounts ending in 6760 and sent these cards to my business address, contrary to my wishes. 
XX/XX/XXXX XXXX XXXX sent me out a statement wrongly claiming a balance of $XXXX  with a MINIMUM PAYMENT DUE $XXXX
 During the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I was unable to access my account information online. XXXX   XXXX later admitted they had denied me online access in error, once the fraud claim was reported the restriction should have been removed. See attached XXXX XXXX letter datedXX/XX/XXXX.
XX/XX/XXXX:  XXXX XXXX reported this account as 30-days late (this was later determined an error by XXXX XXXX) see attached XXXX XXXX letter datedXX/XX/XXXX
XX/XX/XXXX, I filed a complaint with the CFPB, case # XXXX XXXX. 
See attached CFPB Complaint

Disputing the following: 
a.) XXXX XXXX inaccurately reported me 30-days late in XX/XX/XXXX
b.) XXXX XXXX has denied me online access to my XXXX XXXX   account
c.) XXXX XXXX is reporting the wrong balance of $XXXX 
d.) XXXX XXXX has denied my previous disputes with Experian, XXXX  and XXXX and wrongly confirmed to 30-day lateXX/XX/XXXXXX/XX/XXXX information furnished to the credit bureaus. 
e.) As a result I may take on an additional $XXXX  in damages towards a XXXX XXXX  construction loan. (I did end up suffering over $3,000 damages, which at the time I did not file a civil claim for, YET!

XX/XX/XXXX; I filed another round of disputes with EXPERIAN, XXXX, and XXXX, claiming XXXX XXXX  was inaccurately reporting I was 30 days late inXX/XX/XXXX. I provided proof of statements and payments to support my claim, but all three credit bureaus dismissed my documents and accepted XXXX XXXX response claiming the 30-day late reported for XX/XX/XXXX was accurate. Despite the fact XXXX XXXX never provided any proof of documents to support their claim. 
*NOTE: XXXX XXXX did NOT provide any documented proof, yet Experian, XXXX  and XXXX  still accepted XXXX XXXX  claim, which after continual disputing and I forced XXXX to conduct a proper investigation, it was finally determined that XXXX XXXX did indeed report inaccurate information. 

Our records reflect that on XX/XX/XXXX, you contacted us to report unauthorized activity on your account and on XX/XX/XXXX, we initiated a fraud claim However, our investigation determined that, we did not take all of the NECESSARY steps to remove all of the related delinquencies from your account  

XX/XX/XXXX EXPERIAN, XXXX and XXXX sent me a letter advising they had completed a proper investigation and XXXX XXXX responded that the 30-late they had furnished for XX/XX/XXXX is accurate. Therefore, denied my request to remove the XX/XX/XXXX 30-day late fee furnished by XXXX XXXX. 
As a result, I was suffered financial harm by being denied credit and my auto insurance increased by more than $900 yearly. 
As a result of XXXX XXXX continued refusal to conduct a reasonable investigation and provide the credit bureaus with accurate information, I had to take today (XX/XX/XXXX) off work to do XXXX XXXX job by investigating/researching the facts concerning this account, suffering more financial harm. 
Sometime in XX/XX/XXXX I again contacted XXXX   XXXX, informing them I never reopened this account and please close it. 
On XX/XX/XXXX I filed a complaint with the CFPB for inaccurate reporting of late fees
XXXX XXXX has willfully breached our contract, a contract they created, by changing the interest rates without notifying me, as required by the FTC.* XXXX XXXX  Errors -IM ALWAYS RIGHT/ XXXX XXXX= WRONG

Here are previous disputes I have made against XXXX XXXX, which XXXX XXXX initial response was found to be INACCURATE.
XX/XX/XXXX XXXX XXXX admitted errors in their initial response to my fraud report
XX/XX/XXXX XXXX XXXX   denied my 1st claim that they were reporting the wrong balance and status to the credit Bureaus
However, on my 2nd claim  a month later inXX/XX/XXXX- XXXX XXXX admitted errors reporting the wrong balance to Experian, XXXX and XXXX in XX/XX/XXXX. 
At my request XXXX XXXX  closed the this credit card account
Sometime in XX/XX/XXXX XXXX XXXX  issued a new account (which I did not request) and has never provided proof that I requested the account to be re-opened. Acct. ending in XXXX  
Sometime after around XX/XX/XXXX, this account was again closed by me. 
Another XXXX XXXX account was re-opened without my permission ending in XXXX
In XX/XX/XXXX, yet another XXXX XXXX  account was opened in my name without my permission, ending in 
XXXX.   
     9.  Twice in the past, when I filed disputes with Experian, XXXX and XXXX, XXXX XXXX has admitted to providing the credit Bureaus with an inaccurate update, resulting from NOT truly completing a proper investigation. 



In Summary and Request:
      
XXXX XXXX has admitted in the past to making errors and wrongly denying the claims/disputes I filed with Experian, XXXX and XXXX, without conducting a proper investigation. 
Additionally, Experian, XXXX and XXXX all refused to consider unredacted documents I provided in my previous disputes. Meaning Experian, XXXX and XXXX  NEVER read the documents I provided. Alternately simply forwarded them to XXXX XXXX. THESE ARE PROVEN AND ADMITTED VIOLATIONS OF THE FCRA BY XXXX XXXX< EXPERIAN< XXXX  AND XXXX. 
*NOTE: I have until XX/XX/XXXX to file a civil claim on the admitted FCRA violations 

Yet, here we are again, I am again providing Material facts in the form of documents and affidavits that
I am disputing this account currenlty reported ending in XXXX, XXXX or XXXX  belongs to me 
XXXX XXXX has reported accounts ending in XXXX, XXXX and XXXX as belonging to me incorrectly. 
I am disputing to be a Co-Signor on any XXXX XXXX  account ending in;  XXXX, XXXX, XXXX 
I am claiming any charges related to accounts ending in XXXX, XXXX and XXXX do NOT Belong to me and are being reported by XXXX XXXX to the credit bureaus inaccurately. 
I am requesting for Experian, XXXX and XXXX to actually READ the documents I provide with this complaint and BLOCK XXXX from reporting any of the above accounts until the final results of their investigation is complete. 
I am claiming, with documented irrefutable proof, XXXX XXXX has violated our agreement, has done so knowingly and willingly. Therefore I am claiming this is a Contract of Adhesion. 
I am also requesting XXXX XXXX to remove all the above accounts from the credit bureaus until they have conducted a reasonable and proper investigation, upon which time they can finalize any updates to the credit bureaus. 
I am claiming my requests in numbers 5 & 6 do not harm XXXX in anyway. Alternately, if XXXX XXXX  refuses my requests in numbers 5 & 6, I will likely suffer significant harm. 
I am claiming my requests in numbers 5 & 6 do not harm any of the Credit Bureaus mentioned in anyway. Alternately, if Experian , XXXX or XXXX    refuses my requests in numbers 5 & 6, I will likely suffer significant harm
* NOTYE: XXXX XXXX has contacted XXXX XXXX  and claimed all charges on the cards ending in XXXX, XXXX  and XXXX belong to him and were made without my knowledge or permission. and provided them with an affidavit (same affidavit I am attaching)

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