Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PARALLEL COMPLAINTS against both XXXX XXXX XXXXXXXX ( XXXX ) ( FALSE & UNAUTHORIZED REPORTING ) AND EXPERIAN ( REFUSAL to REMOVE this FALSE, FRAUDULENT AND UNAUTHORIZED REPORTING from my credit report, even after I have submitted ORIGINAL PROOFS that this FAKE account is RESCINDED/NEVER EXISTED ) which CAUSED MY CREDIT SCORE to PLUNGE from XXXX to XXXX  or about 170 points in the past five ( 5 ) months which NOT ONLY DESTROYED my otherwise IMPECCABLE credit for the past 30 years and further CAUSED one NEW ( that I know of ) credit card company to LOWER my credit limit from {$20000.00} to {$12000.00} due to the drastic, incorrect even though it is improbable and unlikely score ), which are my DAMAGES. 

XX/XX/XXXX Wrote a Letter of COMPLAINT to XXXX XXXX regarding this fraudulent transaction. 

XX/XX/XXXX - First reported ( for the very first time ever because I do not have any " loan '' account with XXXX ) XXXX XXXX Acct # XXXX ... as a NEGATIVE, ADVERSE account ( 30 days late for a measly {$170.00} that I NEVER OWED ). 

XX/XX/XXXX Filed my first dispute with Experian and nothing happened DESPITE ALL the SUPPORTING DOCUMENTS I MAILED to Experian re : the FRAUDULENT TRANSACTION with XXXX XXXX including the letter I wrote to XXXX on XX/XX/XXXX. 

XX/XX/XXXX RE-filed my second dispute with Experian, and again nothing happened for another month. It would seem that Experian is in cahoots with XXXX in an all out malicious effort to DESTROY my otherwise excellent credit. They should know because XXXX pulled my credit WITHOUT MY AUTHORIZATION on XX/XX/XXXX which at that time, my score with MORE THAN XXXX or in the  excellent category. 

XX/XX/ - Wrote a FINAL LETTER this time to the PRESIDENT of XXXX XXXX , XXXX ( and all affiliated companies ), regarding the FRAUDULENT transaction aforementioned, and the IMMEDIATE REMOVAL of their adverse account from my credit report, and the REMOVAL of an UNAUTHORIZED CREDIT INQUIRY made by XXXX on XXXX from my Experian report. 

XX/XX/XXXX - a TERMINATION of the said AGREEMENT was executed and signed by XXXX and by me, which I mailed the ORIGINAL to EXPERIAN, and instead of IMMEDIATELY REMOVING the ADVERSE ACCOUNT from my report, they UNNECESSARILY re-filed A THIRD DISPUTE with XX/XX/XXXX giving them another 30 days to respond. 

30 days have ended thrice. And the ADVERSE ACCOUNT is still in my report and my credit score with Experian only is getting worse, now in the low 600s, instead of the high 800s. Every time I call Experian ( they never answer the calls or the waiting time is forever ) and every time I went to their website ( which never works ), it does not give me access because the " DISPUTE IS forever ONGOING ''. 

I have called XXXX XXXX MULTIPLE TIMES, MULTIPLE DEPARTMENTS, and they deliberately, continuously give me the run-around. The Escrow Department and the Finance Departments REFUSE to inform Experian that this phantom account NEVER EXISTED AND TO IMMEDIATELY REMOVE IT, including the REMOVAL of their UNAUTHORIZED CREDIT INQUIRY.

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