Consumer complaint received 2024-05-07 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: TN

Complaint narrative:
Experian has continued to deny my rights under FCRA, refused to delete accounts under FCRA directives, reported accounts unlawfully as follows : 1 ) The address where it was told to the CFPB as an indication I may have been a victim of identity theft is not an address I have ever lived, relied upon, nor a state or region I have ever been present, XXXX XXXX XXXX, XXXX, NJ. XXXX is proof of my reporting identity theft and fraud, but ten days later, it remains on my credit report.

2 ) Experian continues to report XXXX XXXX  as a negative account with an investigation closed under identity theft and fraud that meets FCRA requirements under the determination that the account was verified as " my own. '' The fraud due to identity theft was a fraud committed while I owned the card and credit but was not authorized by me ; the transactions that went {$2100.00} over my credit limit were fraudulent and the identity theft and fraud was to over six of my credit cards, all in the same short period, and were filed in XXXX with the FTC and CFPb as identity theft and fraud, foiled with the XXXX police department , were proven to be fraudulent. This account has remained while every other was deleted across all CRAs, including my XXXX XXXX, XXXX XXXX, and other accounts by Experian. I have mailed the FTC-recommended documents to XXXX and which Experian and XXXX are accountable. 
3 ) The XXXX account XXXX has an investigative closed statement from Experian stating that it was " Discharged in a XXXX  XXXX Bankruptcy. '' Then why is an account " Discharged in Bankruptcy '' still on my credit report and has been noted as such for over a year? This account under FCRA should be immediately deleted on all CRAs. I have sent a notice to Furnisher. 
4 ) Experian, along with all bureaus, disregarding FCRA, are not deleting account XXXX XXXX XXXX account number XXXX after I reported the fraud filing with the company filed in XXXX of XXXX. All CRAs should have deleted this account according to FCRA guidelines three weeks ago, given the company knows it was a fraud committed while I owned the credit through identity theft, which I provided the source of. 
5 ) Experian not only refuses to delete the XXXX account but also reports it as a current balance of {$11000.00} on a closed original balance of {$3800.00}, destroying my credit file and acknowledging an interest rate of 375 percent, which proves it is a Predatory lender under USURY in violation of state law. 
6 ) XXXX XXXX XXXX  account number XXXX shows a closed-out date of XX/XX/XXXX and the last payment date of XX/XX/XXXX. All CRAs should delete this. 
Experian has a fraudulent address, lists negative accounts under " Discharged under XXXX  XXXX Bankruptcy '', and List an account negative for four years that was deleted along with five other credit accounts by every CRA that was a victim of fraud due to identity theft and refuses to delete a fraudulent account the company has a file on itself reported as fraudulent. Then, it leaves another negative account. Experian, for years, has reported the closed date as the date of the last payment, I have mailed the original furnishers as of this morning ; if all are not resolved under FCRA, it will be actionable. I am requesting the CFPB to investigate.

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