Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
I have been apart of a series of unfortunate events, i have made other complaints and will reference them now [ COMPLAINT ID XXXX ], I received in the mail today that XXXX XXXX XXXX  has factual reported as verified as accurate the reporting to of my consumer credit report, as well as fraudulent charges made to my account, they responded in the letter with the following. 

" We have come to this conclusion because : We continued to send billing statements ) to you, which included the transaction ( XXXX ) that you are now disputing. 
We have received payments ) in response to the monthly billing statements ) that have been mailed to you without prior notification that the transaction ( XXXX ) were fraudulent. 
Our records indicate you have accessed your account online multiple times during the time of the stated compromise without reporting the claimed transactions as fraud. 
The claimed transactions ) are recurring on the account. For cancellation or credit, please contact the merchant directly. 
XXXX participated win the merchant, we have no additional recourse. To request a refund, please contact the merchant directly. '' XXXX these statements sent to me were not reaching me, as these were during the time of my near fatal injury and car wreck, so it was near impossible for me to be dealing with any of this. 

XXXX my payment were scheduled to be paid none the less every month so that doesnt really mean anything, I still wasnt aware of the fact fraud was going on. 

XXXX my wallet that housed all my bankers ids and passwords were taken, I have not signed in for some time XXXX im am not worried of a refund of money in account I am worried about claims that are not mines that have now messed with my consumer report. 


now, another matter. XXXX XXXX XXXX verified as accurate the reporting of my consumer report when in fact it was wrong and I am requesting an update. In XXXX they suggest XXXX to be the 60 day mark as where in Experian XXXX is marked by 30 days. Also in Experian its registered no data for the months of XXXX and XXXX, there is no way that this could be possible when XXXX is 120 days in XXXX. Second the balance In Experian is XXXX ; within XXXX its XXXX. The last time updated was XXXX at XXXX late but this is incorrect because it would be 150 days. included in the report will be screen shots of both. 

I am tired of dealing with something that is not my fault, again my wallet was lost, but well before that money has been being taken from ALL institutions in which i have a checking and savings accounts with, all institutions that i have credit products with, as well as received false names using my adress and my information for things XXXX : using my my name XXXX documents that are not mine using my social number for credit products, using my mailing address/ receiving mail that is not mines and chekcing with landlords to see if past teanents are the mailed [ they are/were not ]. 


i attached the perchance and payments, its clear to see i wasn't purchasing things and that only payments were made. looking at the statments a good amount were in a state i didn't even live in at the time.

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