Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After finding out that I had a judgement against me from back in XX/XX/XXXX, I informed all of the credit reporting agencies that my identity was stolen and as a result, a judgement was issued against me, without my prior knowledge and that the judgement was based on a fraudulent, and forged document. All of the reporting agencies, with the exception of Experian, removed the fraudulent judgement from my reports after going over all of the submitted evidence in the case. The case did go before a judge on XX/XX/XXXX and the plaintiff, XXXX XXXX XXXX filed a motion to have the case stricken from the record. When I tried to submit the documents indicating that the case was to be stricken, I found that I 'm not able to file another dispute, backing up my original claim of fraud, nor am I allowed to upload new documents supporting my claim. I 've also asked that several names, that do n't belong to me, in which I 've uploaded proof of my name, has n't been changed and my ability to dispute it has been repeatedly denied. I have also asked that XXXX time-barred accounts be removed and they have refused to do so with them as well. Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are still on my account, even after asking for them to verify the date of the first missed payment, which according to Texas State Code, is the date the statute of limitations start. Not the date of the last payment as they claim. Because I am a Texas native and have never lived anywhere else, the Texas State laws trump federal laws and the laws of the states that they operate under. Both of these companies do not hold a sureity bond in Texas to collect debt and they keep updating time barred accounts in direct violation of FDCPA and the Texas fair debt collection act. I have the police report that I filed almost immediately after finding out about these account on my record. I 've also sent out letter, via certified mail, asking them to follow the law and remove these fraudulent accounts from my credit report. All of these accounts fall under the FCRA as violations and as a consumer, I have the right to have them removed, especially after I 've provided ample proof. I 've also filed another complaint about the judgement with CFPB, again backing up my claim of fraud. I will include a copy of the certified letter that I wrote to XXXX, XXXX pointing out the obvious violations of Texas law. I was denied the ability to buy out my siblings portion of our deceased mother, based on these fraudulent and unlawful accounts. I was told by an attorney friend, specialising in Consumer law, that I have a case for a slander of credit cause of action and I 'm willing to take it to that level. I will be filing individual complaints against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well. The judgment is the first thing that needs to go.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief