Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXXXXXX, I filed a dispute with all three credit bureaus due to seeing Collection Accounts I had no knowledge of, Accounts that were paid off and still showing reporting. XXXX has removed several accounts that I disputed due to incorrect information. XXXX and Experian never investigated. According to XXXX, all a creditor has to do is submit via email that the account has been verified and no other information is required from the creditor. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am now showing an collection from XXXX XXXX and I never received a collection letter in order to dispute this account with them, I don't know who they're collecting for and they are not licensed in the State of Alabama nor is XXXX XXXX, XXXX XXXX XXXX, is also not licensed in the state of Alabama.. XXXX account number ending in XXXX was paid off in full, I also received a refund check stating that the obligation was handled and it's on my report as a collection. XXXXXXXX XXXXXXXX  , I disputed this account with all three credit reporting agencies and XXXX was the only agency that investigated and removed this accountXXXX XXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX XXXX XXXX XXXX was also removed through XXXX but remains on XXXX and Experian due to not properly investigating accounts. 15 U.S> Code 1692, Abusive collection effortsXXXX XXXX XXXX is also showing not licensed in the state of Alabama and the account was paid prior to being submitted on my credit report. XXXX XXXX XXXX should have been over seven years old, but the company continues to update my credit report with a different date of closing and charge off so the account won't fall off. This account was closed back in XXXX. Under my personal information, I advised Experian and XXXX along with XXXX that I have never applied for any accounts under aliases, different social security numbers and asked that they remove this information. My account is still showing an social security number XXXX under Experian along with an Employer of XXXX XXXX and that is incorrect. XXXX is still showing an XXXX XXXX XXXX and I never used this alias and requested this information be removed. I submitted my driver 's license and social security card to validate my identity and these agencies continues to report incorrect information. I am requesting that these credit reporting agencies be investigated and forced to adhere to reporting true and accurate information and to enforce the dispute validation process. My information was found on the dark web and I had an address in another state, another city that was not mine and these agencies are not taking our dispute complaints seriously. I am attaching documentation.

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