Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: MO
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 sending this CFPB complaint to inform you that the 3 credit bureaus rejected my previous request, the fact is, it was their obligations to verify the credit accounts of the owner and remove those accounts which are incorrect. These accounts has several errors. The payment history and date last activity are inaccurate as the references to charge off payment. My account never fall in Bankruptcy. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. Credit Bureaus are reporting false information and I believe the company is violating Section 605b of the FCRA. Please remove the charge off and bankruptcies from this account. These are the following accounts that are needs to be removed : XXXX XXXX XXXX Balance Owed : {$2400.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. XXXX XXXX XXXX Balance Owed : {$8300.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting a different accounts information from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. XXXX XXXX Balance Owed : {$5700.00} - This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - My court does not have a membership to your credit bureau, thus as per my rights under the FCRA, kindly supply the contact information for the outside vendor who provided you with this inaccurate information. IMMEDIATELY DELETE THIS INFORMATION. XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I didn't make a bankruptcy claim. This is a lawyer mistake. I spoke with a bankruptcy lawyer but decided against proceeding. Without my consent or express approval, the lawyer filed. After being informed that this was fixed, I discovered a bankruptcy on my credit record I didn't file! I've never filed for bankruptcy. Kindly take it out right away. XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - You are reporting a DELETED information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible. XXXX XXXX XXXX Balance Owed : {$2400.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. XXXX XXXX XXXX Balance Owed : {$8300.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly. XXXX XXXX Balance Owed : {$5700.00} - This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.

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