Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
I disputed back in XXXX of XXXX with Experian for fraud inquires from XXXX XXXX XXXX and XXXX XXXX and Experian blocked the inquires and told both XXXX XXXX And XXXX that it was fraud and when the accounts hit my credit file they blocked the accounts from XXXX XXXX  on Experian. Then XXXX XXXX changed the account number and XXXX  amount and placed it back on my Experian credit file as new but with the original opening date as the last account. I talked to the upper fraud team and they said this was clearly fraud on XXXX XXXX  and this isn't right. So they blocked it several times and XXXX XXXX  kept requesting to have it unblocked as it was verified as mine. Like no proof just fords word. I have submitted several police reports and FTC identity theft reports and original documents that Experian sent me back in XXXX that the account were deems as fraud from XXXX. They have allowed XXXX XXXX  to change the address several times and change the account several times to keep this account on my credit file. Experian has blocked this address linked to this account several times but keeps allowing XXXX XXXX  to unblock it but there has been XXXX accounts under that address on XXXX XXXX XXXX XXXX North Carolina XXXX as fraud account and the banks have removed them and local and state law enforcement has deemed that address as a fraud address for over XXXX victims. Experian XXXX knows all of this but keeps allowing XXXX XXXX to unblock the account and put it back on my credit file. knowing that it's fraud. I have XXXX all to proof and XXXX has shown nothing but now I'm losing my house because the bank is calling in the loan because of this XXXX XXXX Account. Now I'm getting more fraud loans added to my credit file to Experian because this address in XXXX NC is unblocked. The mixed department fraud agent stated on XX/XX/XXXX they clearly this account is fraud because XXXX XXXX  removed the other ones as fraud and deemed the address in XXXX NC as a fraud address but fraud keeps unboxing this account as its mine and Experian has knowledge that its not mine. legal actions will come forward on both XXXX XXXX and Experian if this account isn't blocked and address in XXXX isn't blocked for good. XXXX and XXXX both have blocked this account and address and its never came back on the credit file, XXXX XXXX has tried but XXXX and XXXX has gotten it blocked permanent and XXXX lost the rights over this trade line. Now XXXX XXXX is changing the account numbers and balance on the trade line like as I'm paying the balance down and which that's isn't true and Experian is allowing this. I have XXXX and this is causing so much stress in my life. XXXX XXXX is known for this because the same case happened in CA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX was found guilty and had to pay out XXXX for abuse of credit rights and Experian was also fined. All want is this account to be removed and permanently block like XXXX and XXXX. The proof is right in front of you so please help me please.

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