Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: ND
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 it may concern : I have filed several disputes with all three credit bureaus in addition to each collection agency in which reported information on my credit reports. I have since been denied housing for such information on paid debts. I have attempted several times to contact not only this office via online complaints, phone and now by mail. Please accept the following documents in efforts to get these cases resolved within the next 5 ( calendar days ) due to the amount of time in which it has been since I have filed my first dispute. 

I am disputing the following companies : XXXX XXXX names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
Experian - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. Reporting debt in one month, then removing it, then placing it back on the credit report of a different amount ( per the collection agency- no validation of records has taken place ) XXXX - XXXXncorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX XXXX XXXX accepting payment and not updating credit bureaus of deletion per corresponding letter XXXX XXXX XXXX - accepting letter with proof of payment and not updating credit bureaus of deletion per corresponding letter National Credit Systems Accepting letter, emails and phone calls in reference to a paid debt. Company is refusing to delete account when proof has been provided on several occasions. Phone calls, emails and disputes are going unanswered. No deletion, and updated credit report of a paid debt, and will not return overpayment. 

I am currently in the process of purchasing my first home for my family. It would be a kind gesture if you could grant me the deletion of this negative reportings and make goodwill in removing the account in full off all credit reports. 

Thank you for your consideration, and I hope that you will approve my request. 

Sincerely, XXXX XXXX XXXX included Current open complaints XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Closed, no useful feedback provided to make a clear decision XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Mistakenly filed and company needs to be deleted XXXX filed XX/XX/22 company will not return phone call, updated credit reports with falsified information. 
XXXX filed XX/XX/22 Owner of XXXX XXXX XXXX that hired XXXX XXXX XXXX XXXX XXXX to file and approved reporting incorrect and false information to credit bureau XXXX

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