Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit and financial history have been destroyed by Experian. It is an anomaly that this only happens in Experian and XXXX, no where else? My contact, discussions, & disputes with Experian have resulted in discovery that the company lacks internal controls on customers personal data, both from point of entry to exit and reporting. Basically, they accept any claim against customers and reports whatever is claimed, with no checks or balances. 
Several ID Thefts have resulted in my name, address, and SS being all over the place. There have been loans, cc, and other debt opened in my name as such. The names are never perfectly correct, with varying versions. Address usually covers XXXX, XXXX, or XXXX There are now 20 to 30 versions of my name on Experian? As bad as XXXX is, it doesn't even do that. How does a credible company accept that many names for one person? No wonder the criminals are having such a good time opening up debt in my name. At present, Experian has no procedure for customers to fix errors in their credit reporting due to ID Theft. There is no procedure to fix 20/30 names, no source to reconcile debt history, and no affidavit to confirm loan re-aged or re-assumed. As such, I need a history of how the names were accepted and which loan record pairs with it. The debt amount via what is commonly known as SOR ( system of record ) at original source. Any existing affidavit to the debt under official name, matching those of other federal agencies i.e. passport, driver 's license, land passport, ss card, and voter registration. Nothing outside of this will be accepted. 
Experian does not use proper systems of control in reporting customer credit score. It also does not provide proper debt validation records. To date, my Experian report has had so much junk that the damage to my financial history in incalculable, potentially in hundreds of thousands in denial of credit. There is no way to dispute the debts incurred from wrong / stolen identity or pairing. There is no way to dispute so many names on their report. They just let these deficiency sit on there, refusing to fix it, or get proper debt validation documents for the customer. My Experian account has freeze status for 5+ years. I still get hit with counted 20/30+ versions of me on my report? There are no controls in place to conduct due diligence and audit before allowing debt and rand names to show up on customers report. They just take in whatever people give them as long as they are willing to pay. Their disregard for the financial damage this has done to the customer is alarming. 
Seeking Experian : 1- SOP on accepting negative debt claim 2- Systems controls that vet and periodically audit false data against customer 3- Audit & Due Diligence process on submitting 20/30+ names on 1 customer 4- How long has these false inputs been allowed to damage customer credit 5- Records retention inventory of debt validation paper, default affidavit, loan hand-off history

Company response to consumer: Closed with explanation