Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: VA
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:
To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute I have taken a look at my credit report since my last dispute that was dated XXXX, and oddly enough i still see that the consumer reporting agency has failed to correct their errors/remove the incomplete and inaccurate accounts and personal information from off of my credit report. the consumer reporting agencies show me every time how my rights are something that they do not care to honor. i have asserted my rights not just today with this complaint, not just on XXXX even before that, the still not removal of the accounts or incorrect personal information has been removed from my credit report. Specifically listed within the FCRA it states that i have the right to an accurate credit report and the right to prove the accuracy of my credit report. The FCRA also discusses my right that no consumer reporting agency has no right to report or furnish any information that is to believe inaccurate, i believe that that is listed in 15 usc 1681s, also listed within that section is the notice of negative information where in fact a notice is required in writing to the consumer by the financial institution that extended the credit to the consumer the following companies that are listed on my credit report XXXX XXXX XXXX, XXXX XXXX XXXX show that there has been late payments on my credit report. Well i would like to certainly state that neither XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent me a notice about that negative information about the late payments before submitting the information to the consumer reporting agency, which brings me to the part that i am aware that the consumer reporting agencies and that the two said companies are in business together and both partners ( the consumer reporting agency, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX are allowing the other to neglect me. The companies that extended credit have to pay the consumer reporting agencies to put information or details on my credit report, and these details of information is inaccurate, incomplete and unverifiable, but they put it on my credit report anyway. Mind you this has caused me much distress and i have lost out on so many opportunities because of this. Additional negative information on my credit report as well as inaccurate information as well as XXXX violations shows that Professional Debt and XXXX XXXX XXXX has on my credit report CollectionAttorney, that is false and misleading information, also that is an indication of false representation or implication that any individual is an attorney or that any communication is from an attorney. Also two accounts listed with XXXX XXXX XXXX XXXX # XXXX is showing inaccurate information shows paid as agrred but shows late payment status as 30 days 3 times, XXXX XXXX # XXXX is showing inaccurate information shows on my credit report as payment status late 60 days but shows 30 days late 3 times. it just leads to the consumer reporting agencies doing as they please with the reporting on my credit report and more concerned of their business relationships with the people have are said to extend credit to me on my credit report. Again Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to these matters ; I assure that wont do as the consumer reporting agencies did and will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter has and still is causing me.

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