Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I have submitted disputes with Experian about accounts that do not belong to me and yet they have failed to provide evidence or information that the accounts belong to me. I have made several attempts and asked for proof and validation as required by law. Experian has failed to investigate and as a result after only a few days only verify the information as true and accurate without evidence or supporting documentation. The same accounts have been disputed with the other credit reporting agencies and have been deleted as a result of them not belonging to me. Below are the accounts that I have disputed and they have failed to correct and remove from the reports to include a Medical Collection that does not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account is more than 7 years old, Prior to this, this account was dismissed in a class action lawsuit to the creditor for predatory lending. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX This was not paid late ever. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was paid in full and being reported as a charge off. However, this account was not mine and it was a result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This was a result of identity theft and it was not investigated and still being reported as a charge off and reporting monthly. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account is being reported as a charge off with a balance which is not correct. The balance is {$0.00} and they have not provided verification and being reported inaccurately. 
XXXX XXXX XXXX XXXXXXXX being reported as a charge off with a balance when it should be {$0.00} balance and have not corrected and have not provided validation. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX reported as charge off with balance should be {$0.00} XXXX and have not provided validation. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is being paid monthly at a rate of $ 200 monthly and is not late. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is a medical collection which does not belong to me. Time and again I have disputed this with Experian and they have failed to investigate and provide proof that this belongs to me. Further more I have never received treatment at the said facility. 
XXXX XXXX XXXX XXXX XXXXXXXX I have disputed this with them multiple times and again they have failed to investigate and provide proof. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX I Have disputed these items and investigation has not yielded any proof of validation. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I have disputed these accounts and they have not produces validation of results or how they determined this to be accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account states it is with XXXX as the original creditor. However, It is not mine and I currently have active service with my name and social security number with XXXX. I have notified various times about this and they have failed to investigate and delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have stated that I have no knowledge of that account and never had service with original creditor and they have failed to investigate and provide proof of validation. 

I look forward to your intervention with this reporting agency and appreciate your help in getting involved.

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