Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed a number of disputes for accounts on my credit bureau reports that are inaccurate, not my accounts, fraudulent accounts, and accounts that are a result of identity theft. Accounts such as the following have been reported on my credit bureau files and I have disputed them a vast number of times and after they go through the investigation process they bureaus come back with a response that the accounts have been verified and are valid and accurate reportings. The following accounts are being reported and an explaination of each and the response from the credit bureau has also been stated. 

XXXX - This account is a result of identity theft. This is not my account and the address reported at the time I did not reside at. I have no knowledge of this account and it just recently was reported on XX/XX/XXXX and upon information and belief from research was opened on or about the year of XXXX. In disputes it has been investigated and is now showing closed and charged off and the bureaus are now refusing to to investigates as they are stating that XXXX has provided verification of the debt being valid however all parties including XXXX refuse to provide me with copies of ay documents pertaining to the fraudulent account. 

XXXX XXXX XXXX XXXX XXXX - This credit card was opened in my name and is a result of identity theft and or fraud. I have asked for verification from both XXXX XXXX as was advised that this account was charged off in their system and sold to a collection agency. The last representative I spoke with advised me that the account dates back to XXXX in their system and was noted as a fraudulent account and as a result of identity theft and that they could not provide me with any documents or information regarding the account. They advised that a rep from the fraud dept would reach out to me and I have heard nothing from anyone as of this date. However each time that this has been submitted as identity theft and fraud to the bureau as a dispute the bureau comes back and says that the creditor has verified the debt and that it is valid. The last response was that it had previously been investigated and was found ot be valid and they they refused to again investigate the debt. This is a violation of the FCRA and my rights as a citizen of the United States. XXXX advised me that they would settle the account for {$350.00} and that is what they had been authorized to offer as a settlement. Upon speaking to XXXX XXXX i was advised that this information in incorrect and that they did not state or authorize such a settlement by XXXX. XXXX advised me that they had no documentation and they they only bought the debt from XXXX XXXX and that I would need to contact XXXX XXXX directly. However they respond to the credit bureau that the debt is valid and accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt was reported in XXXX of XXXX for an account that was opened in my name on XX/XX/XXXX for an address in which I did not reside and have no knowledge of. Upon investigation and research of the company it appears that this is a security services company that offers camera security service that requires either a high speed internet connection, XXXX XXXX XXXX XXXX. The address that I just took over in XXXX of XXXX has none of these services and there is no availability at this time for any of these such services. The address in which i resided from XXXX until XX/XX/XXXX did not have any of these internet access services either. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  - This account was opened in my name on or about XX/XX/XXXX. This account is a result of identity theft and fraud and is not my account. I have disputed this account on a number of occasions and the collection agency has come back with a response to my dispute that the debt is verified and valid. In reaching out to XXXX I was advised that there is no paperwork in their files that it was purchased from XXXX XXXX for collection. If I am requesting documentation regarding the account that I need to reach out to XXXX XXXX. Upon reaching out to XXXX XXXXXXXX I have been advised that they have no paperwork for this debt however I need to reach out to the collection agency because they have sold the account to the collection agency. 

Until approximately a week ago there was one address on my credit file of XXXX Virginia. I have never lived in XXXX Virginia. I filed a XXXX XXXX in XXXX and it was XXXX in XXXX. Upon a divorce with my now deceased ex husband I resided in XXXX XXXX. My now deceased ex husbands attorney filed inaccurate paperwork with the local sheriffs dept advising them that the court had awarded my ex husband ownership rights and interest and possession the said address for where these accounts and services were opened, rendered maybe provided. I have no knowledge of this as I was advised by the sheriffs dept that if I went to the property I would be charged with harassment and trespassing. I only gained possession this the residence that I now reside in, in XXXX of XXXX upon a review of my XXXX XXXX bankruptcy that was on the XXXX XXXX XXXX Virginia Bankruptcy Court from XXXX until XXXX of XXXX. These bureaus have refused in remove these inaccurate account and have violated the FCRA by doing such and have commited numerous violations of my rights by refusing to investigate these inaccuracies, correct my credit report and removed the decreases in scores as a result of these inaccurate account reports.

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 non-monetary relief