Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am including XXXX and Experian in this complaint because I am receiving a similar response from all three credit reporting agencies for years now and have spent thousands trying to rectify their errors. 
On the XXXX of XXXX of 2023 I filed a complaint against XXXX with the CFPB because for the past 2+ years I have repeatedly disputed accounts that are incorrect, incomplete and or not mine along with documents showing that the information is inaccurate, incorrect and or not mine, including XXXX own admission that my information was compromised in XXXX recent data breach. This morning I call XXXX to inform them once again that the information they are reporting on my consumer file regarding all XXXX and/or XXXX, is inaccurate, incomplete and/or not mine. I requested that they send me the investigation results they obtained from the furnishings company verifying the disputed accounts are in fact verified as they claim. I was disheartened and disappointed to learn that not only did XXXX close my previous dispute with no reinvestigation leaving the disputed accounts still reporting but was also told that XXXX does not verify the account is accurate, complete and verified themselves but relies on the company that is paying XXXX to determine whether or not the information they are furnishing is verified. This has been going on for years and continues to damage my reputation and livelihood. I have sent XXXX proof that these accounts are inaccurate, incomplete and or are not mine in addition to the same account double reporting and reporting to other credible reporting agencies under a different name account information. XXXX continues to do nothing but claim they will respond and then sends an irrelevant automated letter in the mail. I have attached a copy of the proof sent by XXXX which clearly shows information that does not belong to me. These documents include a different name, different ID, different address, different phone, different email, different state and no signature and no mention of a loan with either company and shows a document that could easily be filled in online, printed and mailed by anyone. I asked the company for a copy of the loan and promissory note and neither were provided. XXXX, Experian and XXXX have failed to truly reinvestigate to insure the information being furnished by these companies is mine and accurate and complete. I am attaching a copy of the companys and Is correspondence in addition to the original complaint filed on the XXXX of XXXX, 2023. Additionally, I have repeatedly reached out to XXXX and have ONLY heard back from XXXX. XXXX and XXXX have no business with me and I do not owe them a dime. They are using information that does not belong to me in an attempt to verify these disputed accounts. Additionally they are reporting the same accounts, it would appear, 7-8 times on two of the three agencies and with inconsistent information across the board. How is this allowed, how is this VERIFIED of UPDATED?

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