Consumer complaint received 2024-11-20 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: MA

Complaint narrative:
I recently received a letter from Experian for report XXXX for XX/XX/XXXX claiming that " there is no evidence that this online generated report was received by a law enforcement agency '' (?? ) I have multiple times uploaded AND also mailed complete evidence packages to Experian ( and I have copies of ALL packages and received receipts of evidence sent to Experian ) and every credit bureau and every authority, govt agency, long ago, complete with Notarized Police Reports, a Fraud report sent to me by the State of MA D.U.A., 6 Court Case Dismissals, copies of my id 's, utility bills showing my address is current, and ALL things that I was asked for several times, ever since ALL Court cases AND ALL RELATED monetary CHARGES/debts, against me were dismissed in Massachusetts Courts due to identity theft, now over 18 months ago. I have also submitted lists of the TENS of THOUSANDS of dollars of fraudulent, identity theft related individual monetary charges that ALL came from the same Vendor " XXXX '' across all credit cards that were exposed to fraud and fraudulent charges, these have also already been investigated by several banks and charges overturned in most cases, yet for XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX these fraudulent charges are STILL on my own OLD, long ago charged off credit card accounts on credit bureaus somehow, fraudulent charges that ARE NOT MINE, and have ALSO most importantly have also been completely DISMISSED in Massachusetts Courts over 18 months ago, and yet these fraudulent charges have not yet been overturned by the 2 remaining banks and MOST importantly removed from negative credit bureau reporting?? XXXXXXXX XXXX ( XXXX accounts ), and XXXX XXXX  XXXX ( XXXX accounts ), are still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were DISMISSED in court long ago?? and XXXXXXXX XXXX  still reports an Account THEY SOLD and reported previously as SOLD long ago, to 'Absolute Resolutions '' which was closed out XX/XX/XXXX as settled by " Absolute Resolutions '' and removed from collections reporting and ALL trace of that account was already removed from ALL credit bureaus, why is XXXX XXXX still reporting this and allowed to continue to harm my credit reports? Experian is well aware of these situations as I have been talking to them AND sending evidence packages repeatedly, and even their own XXXX  Reps tried calling the banks with me to get these things removed by the banks. However, the Credit Bureau should be responsible that they are promoting FALSE information, that I have shown them EXTENSIVE evidence. ALL of this fraudulent reporting needs to be FCRA BLOCKED and removed entirely. These accounts were charged off over 4 years ago, ALL had suffered identity theft charges AND, The courts already ruled on this, and removal of these identity theft related, already settled debts, that is what IS REQUIRED to comply with USA and State of Massachusetts consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) AND ALL of the debts were already charged off over 4 years ago, PLUS the accounts and litigation have already been adjudicated and dismissed by the MA State courts long ago. as of early XXXX. This fraudulent info needs to be FCRA Blocked entirely, please.

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