Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
On XX/XX/XXXX, XXXX provided Experian with a Notice and Demand/Cease and Desist regarding Account Number : XXXX stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, XXXX  received a dispute update from Experian regarding Account Number : XXXX stating, Your Inquiry Dispute has been updated This item has been removed from your credit report { Report Number XXXX } ; On XX/XX/XXXX, XXXX received a dispute update from XXXX regarding Account Number : XXXX stating, XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE { Complaint ID XXXX } ; On XX/XX/XXXX, Affiant received a dispute update from XXXX XXXX Account Number : XXXX stating XXXX XXXX XXXX LLC/RESURGENT CAPITAL SERVI THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE { Complaint ID XXXX }. 

On XX/XX/XXXX, XXXX received a dispute update from Experian regarding Account XXXX : XXXX stating, This item was removed from your credit report. Please review your report for the details. You can contact XXXX XXXXXXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXX  XXXX or ( XXXX ) XXXX { Report Number XXXX } ; On XX/XX/XXXX, XXXX received a dispute update from Experian regarding Account Number : XXXX stating, XXXX XXXX XXXX XXXX CA XXXX This item was removed from your credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is the address associated with the account named XXXX XXXX XXXX { Report Number XXXX } ; On XX/XX/XXXX, XXXX provided the Consumer Finance Protection Bureau with a complaint regarding Account Number : XXXX, stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; On XX/XX/XXXX, Affiant received a dispute update from Experian regarding Account Number : XXXX stating, The incorrect account with XXXX XXXX XXXX has not been changed and will remain on your credit report { Report Number XXXX } ; On XX/XX/XXXX, Affiant received a dispute update from XXXX regarding regarding Account Number : XXXX stating, XXXX XXXX XXXX THE XXXX XXXX IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE { XXXX ID XXXX } ; On XX/XX/XXXX, Affiant provided the XXXX Police Department XXXX an incident report XXXX XXXX identity theft regarding Account Number : XXXX { Incident Report XXXX }. 

On XX/XX/XXXX, XXXX provided Experian a Notice and Demand Cease and Desist stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector ; On XX/XX/XXXX, XXXX provided the Consumer Finance Protection Bureau with a complaint regarding Account Number : XXXX, stating, Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector { Complaint ID XXXX } ; As of today, Experian has failed to respond to Affiants notice/request for proof of validation regarding Account Number : XXXX. 

Despite Affiants repeated efforts to correct these inaccuracies, Experians dispute resolution process has been insufficient, resulting in sham investigations and the continued presence of erroneous information on XXXX credit report. 

Despite providing all necessary documentation and following the proper procedures, Respondent has failed to properly investigate XXXX dispute and did not remove the incorrect information from His credit report. This failure to conduct a thorough and accurate investigation is consistent with the issues highlighted in the recent Consumer Finance Protection Bureau lawsuit against Experian for sham investigations { Case Number : XXXX }. 

The XXXX XXXX XXXX XXXX lawsuit against Experian underscores the inadequate handling of consumer disputes and the failure to ensure the accuracy of credit reports. Respondents practices have caused significant harm to XXXX credit score, financial well-being, and ability to access credit, employment, and housing. 

XXXX respectfully authorizes Experian to conduct a thorough and accurate investigation into His dispute ( s ), correct the inaccuracies on His credit report, and improve its dispute resolution process to prevent similar issues in the future. XXXX believes that Respondents practices violate the Fair Credit Reporting Act and the Consumer Financial Protection Act, and is seeking redress for the harm caused by these violations.

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