Consumer complaint received 2025-04-08 00:00:00
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.
State: WA

Complaint narrative:
In XXXX of XXXX, I was alerted of a credit change by Experian. This XXXX point credit decrease was due to a XXXX day past due delinquency on XXXX student loan accounts opened in XXXX of XXXX ( note : I completed my XXXX in XX/XX/XXXX ). I immediately reviewed all of my student loan information including account numbers, due dates, open and closed accounts due to consolidation and none of the information matched what was being shown by Experian. I also checked the other credit unions and found that none of them ( XXXX, XXXX, XXXX ) are reporting these false accounts. I submitted a dispute on these accounts to Experian, included documentation to prove these accounts were not mine, and added a fraud alert to my account by calling a representative ( they also listed a dispute on my XXXX account for some reason, even though this account is accurate and holds my consolidated federal loans under to SAVE plan which are currently in forbearance ). On XX/XX/XXXX, they deleted the correctly listed XXXX account from my credit, once again dropping my credit since I have excellent paying history on that account. On XX/XX/XXXX, they " completed '' the investigation on the incorrectly listed accounts and stated that they would remain due to the information being listed as correct. I contacted XXXX XXXX ( the creditor ) and in under XXXX minutes, they were able to confirm these were not my accounts, all my accounts have always been paid on time, my balance is {$0.00}, and confirm my correctly listed contact information. They advised me to submit a physical complaint directly to them which I did on XX/XX/XXXX. I submitted a new dispute on these accounts through Experian once again. On XX/XX/XXXX, I contacted Experian once again and requested information on their investigation process. They were unable to provide me with any information on the investigation outside of the fact that it was completed internally via their back office and data furnisher ( which is also internal/Experian itself ). The customer service representative I spoke with was also unable to confirm if the creditor ( XXXX ) was ever contacted. So in the course of a month, they have removed a correct accounts, kept XXXX incorrect accounts, and I believe they never actually investigated anything as they were unable to provide me with any information outside of the fact that it happened internally. It is appalling that Experian is internally investigating internally caused issued with no oversight. This has directly impacted my ability to find housing, refinance my student loans ( I was immediately denied by XXXX ), and has cost me countless hours on hold with them for nothing to be done ( when it took me XXXX minutes to confirm this directly with the creditor ). When I asked if they ever contacted XXXX directly, they stated that " creditors sometimes don't like to provide them information '', but again, never said yes or no. Experian has no business being a major credit reporter if they are unable to accurately report credit or actually investigate issues internally in a timely matter. I am beyond disappointed.

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