Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: AR
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:
I filed a complaint with Experian months ago, last year and again today. It is very frustrating and time consuming to continually contact this organization about my credit report and to no avail nothing is done about the issue. Experian has ruined my credit and caused me to not be able to get a car loan ; lowered my score which caused creditors to close my account -XXXX XXXX XXXX . Lastly, when trying once again to correct them on creditors XXXX XXXX and XXXX XXXX I received a message while trying to dispute the submission failed. This is erroneous and they should be penalized for their actions. Additionally, they have negative accounts that I have no knowledge of ( XXXX, XXXX. ) ; and XXXX XXXX XXXX. I have been disputing XXXX since year before last and XXXX has not submitted a signed contract to me nor proof that I owe them anything. I submitted the dispute letters to all the credit bureaus to show them that this creditor should not even be on my credit report, yet it is. Also, while trying to get a new car loan on XX/XX/2018 XXXX of XXXX pulled my credit report and XXXX XXXX as well. XXXX   reported that my score on XX/XX/2018 to XXXX was XXXX, and when XXXX XXXX requested - they reported XXXX? How so? 
XXXX has done the same thing with their inaccurate reporting : they have XXXX on my report and XXXX XXXX and a few more that SHOULD NOT be on it and they will not remove it. They lie and say they are investigating and nothing happens. They are accepting anything from the companies reporting this information and therefore they are in violation of 15 U.S.C. 1681 which states Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. XXXX has not supplied any contract or breach of contract that supposedly I was in or owe. They simply keep sending copies of bills. I have requested the contract of which, they can not supply because I was not in a contract with them and when I left XXXX I owed them nothing. XXXX, XXXX and Experian are ALL in violation with this creditor. Additionally, they are all in violation with XXXX XXXX, XXXX, and XXXX. All the bureaus have my car loan as late, it is paid off and has been since last year with NO LATE PAYMENTS! XXXX XXXX XXXX shows on my credit report as a negative creditor, yet it is paid off? MAKES ABSOLUTELY NO SENSE what so ever. This in part caused me to not receive a car loan a few months ago. I am highly upset and will seek reparations from ALL the credit bureaus on this erroneous reporting. Additionally, I have to continually dispute the same items, they do not remove them and they keep adding XXXX XXXX to my credit report again. I had it removed before and upon checking my report on today, it is back and I have NEVER received notification from the collection agency about this bill. As a matter of fact, I worked for XXXX XXXX and received free cable. I do not understand why they keep putting this false information on my credit report simply because the collector says I owe and they are not asking for proper documentation. The collectors can send anything to them and as a consumer I am not privy to the information to say if its correct or not. This is what is happening/has happened and continues to happen with XXXX and XXXX XXXX. I am done with these credit agencies reporting and placing false information. It has again ruined my credit and I have to go through this long road and writing and complaining to CFPB and the bureaus and nothing happens. Lastly, a XXXX XXXX is reporting my information incorrectly as well. I do not recall knowing even who they are and why they would have my information and reporting it incorrectly as well. Again, Experian, XXXX and XXXX are ALL in violation. I have attached documents to show where they have blocked certain disputes because I continuously dispute them. You would think one would catch a clue and say if this consumer keeps disputing, sending information and contacting us -- - maybe she does not owe this account or something is wrong? They have proven no one is that intelligent or cares. Its not their information so it does not matter.

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