Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: GA
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:
My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shows up in XXXX XXXX XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXX ( estimated ) .But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortgage loan in the amount of XXXX. The credit bureau ( Experian ) has allowed them to update the info. I called Experian on XX/XX/XXXX and the rep told me that my first dispute was not done correctly, info was left blank and unanswered, the dispute was not answered correctly. He suggested that I file another dispute. I also wrote Experian a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report. The rep told me that this letter needs to be sent to the creditor. It states in the fair credit act that the credit bureau needs to provide me these documents in article XXXX. Let me also add that I filed disputes with XXXX and XXXX XXXX and within 30 days they removed this XXXX  XXXX  XXXX  info from my credit report. This tells me that there is something not right! I have never signed any Mortgage loan documents in my life! The info states in my report that the loan is Status Transferred, closed. This is no explanation of what this supposed loan status is. So, if I owed XXXX  XXXX  XXXX  money and I did not pay then how is the loan transferred and closed and they are no longer reporting late payments.This Mortgage fraudulent activity and needs to be investigated. I listed the account info from my credit report below. I have applied for a Mortgage loan 2 months ago and was turned down because of this information on my credit report reports as a inaccurate Mortgage and XXXX, and 180 day late payments which is also effecting my credit score. Now, how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires of another loan application. Some one needs to pay! Can I sue this company? Account name XXXX XXXX  XXXX  Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA

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