Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in the process of buying a house and there is information in my report that does not belong to me, I have opened several disputes with Experian and their treatment has been hostile and confusing. I have sent documentation to prove that this account is paid, and I have told them several times that it does not belong to me. I contacted XXXX, and told them that I would pay the bill anyway because it was affecting my purchase process and I could not wait for the issue to be resolved. 

Once the account was paid, which is not mine, I proceeded to send the document multiple time to Experian. Their webpage to upload document is complicated and is not friendly. 

I proceeded to send the document several times to Experian, its website never worked, is not friendly and has many errors in the process of loading documents, it is not friendly. 

After indicating several times that the upload was not successful by one of his employees, I asked the representative to stay on the phone with me, and after a lot of insistence worked. At least my browser told me that it had been successful. The representative said no, wait, wait until at last, he said yes. 

It was not technical problems. finally, I upload the documents and was confirmed by one of their employees after he stated several times that the upload was not successful, this has been happening for weeks. he agreed because I told him that I was documenting everything and that I took a screenshot of the page stating that the upload was successful. 

After getting the document the account still continues with a balance of {$300.00}. XXXX dollars negative in my report despite being paid. 

In my opinion, Experian is giving me a hostile and annoying treatment for having reported them through this agency. Today I just called and they immediately knew who I was without validating other information to validate if it was me, which is not very professional and lack of safety for customers. 

I opened several disputes, the last dispute was open after they received the document stating that that account was paid, still, their final answer was the same, nothing change and the total balance on the account is there, and they have removed neither. 

I understand that if the account was mine, should be there, and if it is paid should reflect that is paid too. 
I was just trying to move on in my endeavor of moving forward with buying my house, even if I have to pay for something does not belong to me because my idea was that at least it will show that it was paid and bring that account to a better status that is no negative ( highlighted in red ). 

It seems to be that they did not check the document that shows the payment of that account, or they want to keep their behavior of mistreating clients. I won't let them do it, even if you end it up in court, I'm willing to go through this process due to my inalienable right to be treated in a fairway. 

They don't even allow me to put a statement in that account, even that the best step to follow is removed something that does not belong to me, or update the info and put {$0.00} Balance. 

I will sue Experian if they continued with their mistreatment and unfair treatment toward me as a client, their decisions affect my personal life and endeavor. 

Problem with a personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on my report incorrectly shows account balance Information belongs to someone else, but I paid. 
Account information incorrect Account status incorrect showing delinquent account when it's not Old information reappears or never goes away

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