Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As has been the case for more then 18 month, Experian has transmitted through the United States Mail information that they know to be false, in statements concerning investigation a legally authorize dispute. Additionally due to their insecure credit reporting which offers not process of verification of accuracy, Experian has subjected me to attack by others or entities, and reporting their issues because of their lack of statutory security and verification process inaccurate reporting. 

Specifically Experian is maintaining the almost accurate report on this consumer, XXXX XXXX, Not XXXX XXXX XXXX, the additional XXXX isn't accurate, which means the report isn't accurate. Experian as advised by two credit lenders is maintaining and merging two separate credit files, one accurate associated with this consumer, and a second one operated by some entity or person using similar information. 

The merged report that Experian is subjecting me to has a name of XXXX XXXX XXXX, while removing the name from this consumers report, they refuse to remove the inaccurate information from the report. Specficially XXXX Bankruptcy XXXX is reported as XXXX XXXX XXXX, not XXXX XXXX, additionally the additional merged report operated by some person is using address XXXX XXXX XXXX, XXXX, SC XXXX, and social security number XXXX, which isn't this consumers. If the name has been removed from the report, and while similar in numbers, the number of XXXX isn't mine, since mine is XXXX. I advised Experian that their utilizing that address is creating this merging situation but they refused to address the problem. 

Specifically Experian isn't investigating anything, they are blanket stating that they verify information, as stated the bankruptcy belongs to XXXX, not XXXX which is this consumer. Experian reports an account previously removed but reinserted without the statuory requirement of notification, in the dispute on report XXXX, they removed the name that isn't verified as mine, while not removing the erroneous address of XXXX XXXX XXXX, XXXX, SC XXXX. As stated in previous disputes Experian states that creditor report this address, no creditor on my report report any such address, that's materially false. XXXX with account number XXXX, couldn't possibilily verify because on its first point its name is the name that they, Experian just removed. 

As further proof of the failure to safeguard this consumers information, the following inquiries were obtained with the following social security number but appear on my credit report, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Appfolion residential screening

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 non-monetary relief