Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT WITH EXPERIAN OVER 15 TIMES AND THEY KEEP BLOCKING THE ACCOUNT DUE TO THE POLICE REPORTS I HAVE ON FILE. EXPERIAN KEEPS ALLOWING XXXX XXXX XXXX TO UNBLOCK IT AND REPORT THE FRAUD ACCOUNT BACK ON MY TRADE LINE WITH EXPERIAN. THE ADDRESS OF XXXX XXXX XXXX XXXX NC XXXX IS A FRAUD ADDRESS AND THEY POLICE REPORT I SHOW TO EXPERIAN SHOWS I WASN'T EVEN IN THE COUNTRY WHEN THE ACCOUNT WAS OPENED. THEN A SUPERVISOR FROM EXPERIAN STATED I XXXX XXXX SUBMITTED A DISPUTED BACK IN XXXX OF 2019 MINUTES AFTER THE XXXX XXXX INQUIRE CAME THROUGH IT WAS FRAUD AND EXPERIAN SENT THE FRAUD INQUIRE DISPUTE BACK TO XX/XX/XXXX TO HAVE IT REMOVE. XXXX REMOVED THE FRAUD INQUIRE AND PLACED A FRAUD ALERT ON MY CREDIT FILE. 
EXPERIAN HAS ALL THIS KNOWLEDGE CONCERNING THIS FRAUD ACCOUNT AND EVEN HAS HISTORY BACK TO XX/XX/scrub> 2019 WERE I DISPUTED THE FRAUD INQUIRE FROM XXXX AND XXXX XXXX AND STILL ALLOWS XXXX TO PLACE THE FRAUD ACCOUNT AND ADDRESS BACK ON MY CREDIT FILE OR TRADE LINE. 
XXXX AND XXXX BOTH HAVE BLOCKED THE ACCOUNT AND HAS TOLDXX/XX/XXXXTHEY HAVE LOST FULL CONTROL OVER THIS TRADE LINE DUE TO CREDIT REPRORTING ABUSE. I DON'T UNDERSTAND WHY EXPERIAN DOES'NT DO THAT. ALLXX/XX/XXXXDOES IS SAY LOOK YOU SIGNIED THE CONTRACTS IN GA IN RESPONSE, I HAVE FILLED CLASS A LAWSUIT AGAINST XXXX AND LADY IN THE I.D . DEPARTMENT NAMED XXXX CONCERNING ABUSE AND TRADE LINE FRAUD AND I WILL ADD EXPERIAN TO THE CLASS ACTION IF THEY DON'T STOP THIS ABUSE ONCE AND FOR ALL. THEY HAVE ALL THE PROOF FROM FTC IDENTITY THEFT REPORTS AND POLICE REPORTS AND HOMELAND PASSPORT THROUGH XXXX XXXX I WASN'T EVEN IN THE U.S.A. WHEN THIS ALL TOOK PLACE, FRAUD INQUIRE DISPUTE TO XXXX AND XXXX XXXX AND STILL EXPERIAN ALLOWS THEM TO PLACE A FRAUD ACCOUNT BACK ON MY CREDIT FILE WITH EXPERIAN. I WANT THIS PROBLEM HANDLE ASAP OR LEGAL ACTIONS WILL TAKE PLACE. I HAD A MEETING WITH A FIELD AGENT WITH FTC AND CFPB LAST WEEK AND THEY WANT ME AND ARE TELLING ME TO FILE LAWSUIT NOW AGAINT EXPERIAN FOR HAVING KNOWLEDGE THAT WAS REPORTING A FRAUD ACCOUNT ON YOUR TRADE LINE. FIX IT NOW, THE LADY XXXX IS MY EX WIFE AUNT AND SHE IS THE ONE ASKING FOR IT TO BE UNBLOCKED AND CHANGING THE ACCOUNT NUMBERS AND AMOUNTS AND ADDRESS TO HURT ME SO SHES BEENING SUED NOW NEXT TO XXXX. EXPERIAN YOU HAVE KNOWLEDGE FROM DAY ONE OF THE INQUIRE TO SET THIS ACCOUNT UP ITS FRAUD. I HAVE DONE EVERYTHING RIGHT AND EXPERIAN IS ALLOWING XX/XX/XXXX TO DO FINANCIAL RUINS ON ME, I JUST LOST {$480000.00} IS DEPOSIT FOR MY HOUSE BECAUSE NOW I DO NOT QUALIFY BECAUSE OF THE FRAUD TRADE. NOW SOMEONE IS GOING TO PAY ME BACK. IVE DONE EVERYTHING RIGHT FROM DAY ONE BUT EXPERIAN HASNT. ITS A SHAME I CAN SAY XXXX FIXED THE PROBLEM ASAP AND EXPERIAN HASN'T AND IS ALLOWING FMCC TO ABUSE SOMEONE UNDER THERE NAME. REMOVE AND BLOCK FMCC PERMANENTLY.

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