Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not asking for an investigation into these accounts but I am asking that they are deleted immediately. The credit reporting agencies XXXX, XXXX and Experian have been reporting erroneous, inaccurate, unverifiable and illegal information on my credit report. I have been fighting with them for years trying to get an 100 % accurate credit report as is required by the FCRA. I have not been provided an 100 % accurate credit report nor have they fixed the errors that I have reported to them. They have continuously ignored my request for 100 % accurate report and state that they have verified accounts when in actuality they have not done investigations nor have they provided any proof that in investigation has been done. This has impacted by life by not allowing me to get better jobs, buy a home for my family and allow me the ability to obtain credit do to the damage they have caused by inaccurate reporting. They have ruined by life, reputation and ability to provide for my family. I have provided them with multiple credit reports with these errors and highlighted them as well. Per the FCRA these inaccurate accounts should have been deleted but they have not and are still reporting inaccurately. I AM NOT ASKING FOR AN INVESTIGATION NOR AM I ASKING FOR VERIFICATION I'M DEMANDING IMMEDIATE DELETION OF THESE ACCOUNTS TODAY. 

The accounts below need to be deleted today due to they are inaccurately reporting, erroneous or illegally reporting. ONCE AGAIN I'M NOT REQUESTING AN INVESTIGATION INTO THESE ACCOUNTS OR VERIFICATION OF THESE ACCOUNTS. I AM DEMANDING THAT THEY BE DELETED DUE TO XXXX, XXXX AND EXPERIAN ARE NOT IN COMPLIANCE WITH THE FCRA AND VIOLATING MY RIGHTS, DAMAGING MY REPUTATION AND DENYING ME THE ABILITY TO PROVIDE FOR MY FAMILY. 

I HAVE ALSO FILED AN IDENTITY THEFT REPORT THROUGH THE FTC AND A LETTER OF THE ACCOUNTS THAT NEED TO BE DELETED UNDER THE IDENTITY THEFT AND REQUESTED A BLOCK ON MY REPORT. PER THE FCRA THE XXXX, XXXX AND EXPERIAN HAVE 4 DAYS TO PLACE THE BLOCK ON MY ACCOUNT AND DELETE THE ACCOUNTS LISTED IN THE FTC REPORT WHICH THEY HAVE NOT DONE WITH IS ANOTHER VIOLATION. 

I have reporting all of this to the CFPB who have not enforced any of these credit reporting agencies to follow the law and due what's fair and equitable to me as a consumer and this has negatively effected me financially, emotionally and mentally. 

I DEMAND THE ACCOUNTS BELOW BE DELETED FROM MY CREDIT REPORT TODAY AND THE BLOCK IS PLACED ON MY CREDIT REPORT. WHAT XXXX, XXXX AND EXPERIAN ARE DOING IS ILLEGAL AND IF THESE ACCOUNTS ARE NOT REMOVED I WILL BE SEEKING LEGAL ACTION AND MY REMEDY. 



XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was EXPERIAN able to verify this account & you all have access to the same info? Also this account is reporting close but the account is open. Delete Immediately XXXX XXXX XXXX XXXX ACCT # XXXX REMOVE FROM XXXX, EXPERIAN AND XXXX account is reporting inaccurately and erroneously and differently on all XXXX reports. The account number, account status, balance, high credit, payment status, comments and date last reported and payment history. How can this account be reporting different information on all XXXX reports & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately BANKRUPTCY ACCT # XXXX XXXX is reporting a bankruptcy on my report but this is incorrect, erroneous and illegal. XXXX websites states that they verified it through XXXX but that a lie because I have a copy of my XXXX report and there are no bankruptcies on my report. So not only is this inaccurate reporting it is a lie and was not verified through XXXX or anyone else-Delete Immediately XXXX ACCT # XXXX REMOVE FROM XXXX & XXXX weren't able XXXX properly verify this account & was required to remove the account. How was XXXX and Experian able to verify this account & you all have access to the same info? I also have an email that my account is closed iwth no balance and they are reporting the account is open and has a balance which is inaccurate.- Delete Immediately XXXX XXXX TEXAS ACCT XXXX XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. In XX/XX/XXXX the account was showing closed and included in bankruptcy but XX/XX/XXXX its showing the account is open and XXXX past due. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM EXPERIAN, XXXX AND XXXX payment history is different on all XXXX bureaus, account number is different, high credit, last reported date, comments and last date active.. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX  ACCT # XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. Also there are multiple inaccuracies on XXXX and Experian such as the account status, balance, high credit, credit limit, last reported, date last active. How was XXXX and Experian able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. Also the payment history is showing the account was 30 days past due in XX/XX/XXXX to charged off XX/XX/XXXX until XXXX of XXXX. How can account go from 30 days past due to charged off in 1 month. Then the account was reporting charged off from XXXX XXXX XXXX and has been reporting on time payments from XXXX XXXX XXXX. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and XXXXExperian weren't able to properly verify this account & was required to remove the account. Also this account is reporting an open collection account which is illegal. A collection account is by default a closed account. Reporting a collection as an open account is not under FCRA compliance and is inaccurate reporting. Also, this account is reporting in dispute and resolved which is another inaccuracy. Also per XXXX website and my credit report on there website I don't have any collections on my XXXX credit report. How was XXXX and XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXXXXXX XXXX XXXX  ACCT XXXX XXXX REMOVE FROM XXXX and Experian-XXXX weren't able to properly verify this account & was required to remove the account. This account also have multiple inaccuracies such as the payment status, payment history, last reported, date last active and past due amount. Also the payment history is different between XXXX and Experian XXXX is reporting 30 days late XX/XX/XXXX and Experian is reporting current. In XX/XX/XXXX XXXX is reporting 60 days late and Experian is reporting XXXX in XX/XX/XXXX XXXX isn't reporting anything and Experian is reporting 60 days. How was XXXX and Experian able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE LATE PAYMENT FROM EXPERIAN, XXXX AND XXXX have never been late on this account and I am not currently late on this account. Correct payment history to paid as agreed or Delete Account. 


XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX  ACCT # XXXX REMOVE FROM XXXX and Experian weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately

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