Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine Experian : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet Experian refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from Experian provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX  : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!

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 non-monetary relief