Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been breaking my back in regards to disputing fraudulent, negative and and incorrect information with Experian and XXXX  for quite some time now ( approximately 6 - 7 months now ). The dispute in particular is in regards to 2 accounts. One that that is 1. fraudulent and innacurate information and, 2. incorrectly reported ( which is stated under the FCRA that all items should be updated and reported correctly and if any discrepancies needs to be removed immediately ). The Second is in regards to an account that should be reporting as " closed '' due to it being in a bankruptcy. I will list both accounts below with the problems. 

Accounts : 1. " XXXX XXXX XXXX  '' 2. " XXXX XXXX XXXX XXXX  '' I have disputed the " XXXX XXXX XXXX '' account not only through mail but by telephone as well to both Experian and XXXX and was told from both Credit agencies that 'I will have to contact the creditor and dispute on my own to get it removed '. To begin, in the past disputes I had already proven to Experian and XXXX  that the information from the creditor listed above was fraudulent and inaccurate with physical proof ( copy of the fraudulent contract made by the creditor ) and explanation ( none of the dates matched on the contract of signature, none of the pricing matched etc ). A representative from the Experian customer Service call line actually told me that " they will be keeping this false and fraudulent information on my credit file REGARDLESS of it being fraudulent, unless I wanted to contact the creditor on my own '' ( WOW what horrible customer service and way to not obey the FCRA or Law. ) Both XXXX   and Experian both sent me snail mail stating that " I would have to contact the creditor directly ''. Well I went ahead and made a dispute and complaint to and regarding the creditor mentioned above ( and was even thinking of doing a lawsuit against both the creditor as well as XXXX  and Experian ) however the creditor actually rectified the situation and sent a letter after not being able to verify the CORRECT information and contract ( which I will attach as well as the copy of the fraudulent contract originally sent to me that I also made a complaint and dispute about ). I have sent this letter in to both Experian and XXXX   as well and yet they still have NOT removed this item nor updated this on my credit report. I sent it in XX/XX/2019 certified mail and received a letter on XX/XX/2019 stating that they already did an investigation ... which under the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY how is it possible that an accurate and legit investigation was done by both Experian and XXXX in 3 Business days after receiving the copy??? the lies and deceit these companies tell is amazing especially when I sent in the copy of the letter received from the creditor! 


In regards to the " XXXX XXXX XXXX' account. This account should be updated as closed and included in bankruptcy instead of open with a balance. This account is also being reported inaccurately and has yet to be updated. 


I have the right to demand accurate, error-free credit reports, Being its my federal right under the Fair Credit Reporting Act ( FCRA ). These accounts on my credit files need to be removed and updated IMMEDIATELY due to these Credit Agencies not following FCRA guidelines and regulations. If the correct solution being removal and updated information to my credit reports are not given then I will be starting a lawsuit being that's the only choice left being given. I look forward to having this handled. 

XXXX XXXX