Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent letters to Experian which they have completely ignored, they didnt even bother to respond to my questions and disputes. This is my livelyly hood and my life being played with. As an american citizen i believe i have a right to dispute inaccurate information that affects my job opportunities, abilty to buy a home and other highly important things. 
Please address the following To whom this may concern. 
It seems I might be forced to take legal action if nothing is done. Ive tried and tried again and again to get this resolved with you and nothing is being done to help me. Please take the time to properly review the accounts and do the right thing please Im asking. Ive tried so many times and you guys refuse to show me how these are being verified, make any corrections or remove these accounts from my credit report. This is my life being messed up and I've found multiple inaccuracies despite past disputes and you said you updated with the correct information. I know you have many things to look at but put yourself in my place for just a second. Im aware that your job is to ensure the accuracy of my credit report. If you would, please reinvestigate these items and send me a new credit report reflecting the changes or deletions of the accounts I would very much appreciate that Please investigate the following. 
American XXXX XXXX : Account # XXXX Dispute Reason 1 inaccurate reports, unverified with American XXXX. I contacted them and they had no records so how you are verifying this account and lastly this account is way past the statutes of limitations in my state of New York. Delete this now XXXX XXXX : account # XXXX dispute reason - I reached out to XXXX XXXX and they stated that you guys are in the wrong for reporting in accurate information not them so please tell me again how you verified this account if they are not backing up your claims. There is also no collection account associated with this. Please fix this mistake. Review and delete immediately. 

XXXX XXXX # XXXX Dispute reason I have no accounts with any balance with this company delete this now or provide evidence of this account to me since youre reporting without proper verification. Where is the collection account associated with this report you have for delinquency? Its lawfully your duty to show proof or delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX I already sorted this out with the bank, and they agreed to update the account so why havent you adjusted these late payments on your End. This happened during covid XXXX pandemic when we are all out of work. Please Delete all late payments. 

XXXX XXXX XXXX XXXX The bank Agreed to remove all late payments due to covid 19 pandemic issues. Please update the account and delete the closed and paid in full account thanks. 
XXXX XXXX XXXX This account was paid off over 7 years ago and should no longer be on my credit report. Remove immediately. This is unlawful to report an account over 7 years in my state of New York These inquiries should be removed because no credit was given and they do not meet the permissible purposes for a credit pull which are : employment, insurance, court order and firm offer of credit. Delete them all please. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following addresses XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY These are not mine please remove. 
Thank you for your help its much appreciated. I am in the process of moving and I need these erroneous items gone so I can live. I am just a regular citizen looking for fairness and consideration.

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