Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have written Experian and Transunion several times, and all I Get is the " accounts is accurate '' in which they are not. Then on XX/XX/XXXX I wrote the CFPB complaint XXXX. 

Originally they took over 30days and still didn't resolve my problem with these incorrect accounts. Then even after writing the CFPB on XX/XX/XXXX, They are still working on them almost 2 months later with no results and my credit is hurting because of it. 

1 ) XXXX Account XXXX * * * * * * has never been my account. Not even that, it is totally inaccurate anyways which I have reported. 
a ) Transunion shows High balance of {$7100.00} which Experian shows {$0.00} b ) Transunion shows last verified XX/XX/XXXX and Experian shows Never which proves these accounts have never been verified. 
c ) Transunion has Date of last activity on XX/XX/XXXX and Experian shows XX/XX/XXXX d ) Transunion shows date reported as XX/XX/XXXX and Experian shows XX/XX/XXXX XXXX ) Transunion shows Closed Date of XX/XX/XXXX and Experian shows Nothing f ) Transunion shows Date Opened on XX/XX/XXXX and Experian shows XX/XX/XXXX How can all this above information be wrong and I have been inquiring about it since last year, Both Transunion and Experian give me letters as " Verified as Accurate '' which it is clearly not. Please have them delete this account. 

XXXX ) XXXX XXXX XXXX Account # XXXX * * * * * * * * * * Again this account is not in my name like the above account. My name is XXXX XXXX and not XXXX XXXX. 
It is also inaccurate : a ) Transunion shows High Balance of {$6200.00} and Experian shows {$0.00} b ) Transunion has it Last Verified on XX/XX/XXXX and Experian shows NOTHING c ) Transunion shows Date Reported on XX/XX/XXXX and Experian shows XX/XX/XXXX d ) TU shows Date Opened on XX/XX/XXXX and Experian shows XX/XX/XXXX XXXX ) TU shows closed date on XX/XX/XXXX and Experian Doesn't Know when With all these mistakes, I have the write to have my Credit Report Accurate, They had plenty of time to fix the mistakes even though it should have been deleted for not even being my account. It's not even in my name. 


XXXX ) XXXX XXXX  XXXX Account # XXXX * * * * * * * * This ACCOUNT is 100 % PAID OFF as it shows by Experian. Balance owed is {$0.00} Also the above XXXX OF XXXX account should not have been disputed. If it was it was by accident. Please remove all disputes from this account for it is accurate and 100 % PAID OFF. 

I have attached proof of my identity, This is not a duplicate complaint. Please help me CFPB get to the bottom of this. These accounts have been reported inaccurately for a long long time. I have been disputing these accounts forever and they always come back accurate when they are clearly not accurate and never updated as they tell me.

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