Consumer complaint received 2017-03-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
On XX/XX/XXXX, looking over my XXXX monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted XXXX I found out the charge was THEFT. The company guilty of the THEFT is Experian Credit Bureau. The THEFT started XX/XX/XXXX through XX/XX/XXXX. Experian used a type of past information given to STEAL MONIES out of my bank account without my knowledge or permission. After XXXX solving the THEFT situation, I started seeking the damage of the THEFT and other maybe situations. XXXX ran an investigation against Experian for the THEFT. After completion of their investigation of Experian Credit Bureau, XXXX then refunded all my monies that were stole by Experian Credit Bureau. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX XXXX XXXX account # XXXX, the XXXX XXXX XXXX Account # XXXX, and the XXXX XXXX # XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. The Bankruptcy has its own report account number, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX # XXXX .... was all included in the Bankruptcy and should have the same report number as the Bankruptcy. They should not carry their own report numbers Experian also refuse to remove the XXXX ( XXXX ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft caused by their Credit Bureau. Choosing to refuse to remove the inquiries due to Identity Theft caused by their Credit Bureau put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries and all other fraudulent accounts should not be seen on my credit report. 
I have copies of all letters, police report information and bank information of them stealing monies sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.

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