Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
Experian has allowed XXXX XXXX to report the same accounts twice with duplicate inaccurate and fraudulent accounts, this error is illegal and both accounts need to be removed immediately. 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
Also, Experian has allowed erroneous and fraudulent account reporting for numerous accounts as listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$22.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$11000.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$45000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$500.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$360000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$11000.00}. 
I am a victim of identity theft and I never opened this account. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$8000.00}. 
I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and a balance of {$580.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and a balance of {$1000.00}. The original creditor is XXXX XXXX.. I am a victim of identity theft and this debt is not mine. 
Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX XXXX 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I have gone through numerous letters to dispute these matters since XX/XX/XXXX. Experian has not provided substantial evidence that meets legal standards but they have also not removed or corrected the said accounts mentioned in the attached latest letter to them as well as mentioned in the attached FTC Affidavits. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

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