Consumer complaint received 2024-09-05 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 in the evening, I looked at my Experian credit report and saw an account was added to my Experian credit report. It is a XXXX Dept of Ed student Loan that shows it was opened in XXXX but I check my credit reports thoroughly and it just showed up on my credit report on XX/XX/XXXX. 
I opened a dispute with Experian on XX/XX/XXXX stating not my account and to remove it. 
On XX/XX/XXXX, I called XXXX the next morning to see if my information is being used somehow as identity theft. They could not locate any account with either my Social security number or my name. 
I called Experian right after that call, asked them to give me the account number of the XXXX account. They gave it to me. 
I called XXXX back, spoke to a supervisor named XXXX, I think that is how you spell the name, employee number XXXX, she is the supervisor in the XXXX XXXX XXXX, she located the account. I verified everything for that account as far as opening date, original amount, current amount and payments made. 
I asked her to see if my information is anywhere on that persons account either as a primary or a co-signer. 
She stated NO, your information is not on this account at all. 
I asked her to have this investigated, but she refused to do anything. She asked me to fax the proof over to them, and she stated they will not be able to send me any kind of letter or update as to what happens after I fax everything since I am not their customer in their system. 
within XXXX hours of opening the dispute, it was completed but marked verified, correct, will remain on credit report. 
I opened a second dispute again stating the same thing again with Experian. 
On XX/XX/XXXX, I contacted XXXX again and spoke to XXXX in the credit team dept, she verified the same exact information that was given to me previously by the supervisor, and she also noticed there was some notations on the account stating Experian requested to verify information. She said it said, account is correct, no changes needed. 
And she was confused as to why they are not telling Experian that the account is reporting to the wrong credit report. 
She notated the account that I called but she stated also that XXXX can not give me any letter stating that this is an error on their part. 
I was asking for a letter to show Experian proof so they could remove it. But XXXX refuses to give me any letter. 
Later that day, the second Experian dispute was completed again with the same results, correct, will remain on credit report. 
I called Experian, they opened a third dispute again stating to compare names of account holder against credit report. 
I contacted dept of Ed, they only opened a complaint against XXXX, but can not assist me individually. I opened a XXXX general claim, they can not help me individually. 
I filed an identity theft claim through the FTC, but they stated they can not help me individually. 
The FTC recommended I call consumer finance to file this claim. 

I have spoke to several supervisors in the credit team dept, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and all of the. Confirmed my info is not on the account but they do not know why its showing on my credit report. 

I have the account number when you need it. 

Please help me, I need this account to be deleted from my credit report. Its not my account.

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