Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX, I am a living soul. I dispute owing debt ( XXXX ) to XXXX XXXX XXXX XXXX reported unverified by XXXX. It has been very stressful and exhausting in pursuit to exercise my right to Fair Credit Reporting Act. I received a copy XX/XX/XXXX of consumer report with XXXX after submitting several disputes on each. XXXX XXXX XXXX XXXX used my identity, name and social security number without my written or verbal consent and furnished collection account ( s ) to the public on my consumer report that are false misrepresentations of accuracy. My credit disputes and my right to an accurate and complete report were denied by Experian and XXXX. The date, the account number, the account status, insurance payment status, dispute remarks, dispute comments, dollar amount, the original creditor, the loan type and assignment of debt to the collector are disputed as inaccurate and unverified. According to FCRA all accounts must be reported with the maximum possible accuracy. I called XXXX Friday XX/XX/XXXX, and was transferred @ XXXX EST to XXXX XXXX XXXX Supervisor in XXXX XXXX PA XXXX I explained my results received after dispute XX/XX/XXXX states XXXX XXXX XXXX XXXX account was supposed to be deleted and removed from my credit report. XXXX did not take care to assist me. I then was transferred, I spoke to XXXX, a supervisor until XXXX EST. I and my witness explained the investigation results we received online said the collection should be deleted, the item was not deleted, nor was it removed. XXXX XXXX XXXX XXXX. I disputed XX/XX/XXXX for not being an attorney. I confirmed with XXXX the dates in his system with XXXX when I disputed this account again XX/XX/XXXX, on XXXX XXXX, XXXX XXXX and XX/XX/XXXX, with a letter to validate a claim was closed and paid, I wrote to XXXX XXXX XXXX XXXX and disputed a judgement or relevant factual information was never provided for validation as requested. Georgia state law has a statute of limitations that was exceeded. I sent a certified letter to XXXX XXXX XXXX XXXX to cease and desist XX/XX/XXXX. I realize I have been a victim of unfair and deceptive business practices and identity theft as my requests to delete the account ( s ), reinvestigate the documents. All my written, verbal and certified requests for accuracy have been ignored by these companies. I do not owe the original creditor or national credit systems accounts XXXX nor XXXX debt ( s ) disputed. All claims were paid by XXXX XXXX XXXX XXXX for claim # XXXX, XXXX of XXXX. Please see attached Cease and Desist certified receipt to debt collector XXXX XXXX XXXX XXXX. The claim receipt from XXXX XXXX XXXX XXXX XXXX XXXX. Results from XXXX to delete the duplicated account ( s ) disputed XX/XX/XXXX or prior to this date. Best Regards.

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