Consumer complaint received 2018-05-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Credit Reporting on Friday XX/XX/XXXX attempted to call all of Experian phone numbers in responding to XX/XX/XXXX credit report spoke with XXXX, send in 33 copies Proving Medical ( 2 ) debt was Paid in full over a year ago still remains uncorrected. 
I have placed security freeze, fraud alerts also have reported they have fraudulent address on my report XXXX XXXX, La neither myself or my husband has never visited or lived in XXXX XXXX, LA! 
I also reported previously fraud identity issues where someone attempting to purchase a vehicle in XXXX in XXXX, La when we had not even been to that town? 
I stayed on the phone attempting to get a call through Friday XXXX XXXX No departments accepting calls? My social security number was put in about 01 to 19 times to verify identity there should be another form to prove your identity then the call disconnects itself. I call FTC and Consumer Finance.Gov to get a phone number to Experian where I could talk to a live representative same thing automated requesting social security then disconnects call. Could not get through to the Fraud, Credit freeze All departments same thing? I also called the media to complain due and investigate? I was never connected to a live representative always automated system requesting social security number then disconnects call! That recording no telling how many people had Experian have my social security number due to automated system? 
I send in 33 copies XX/XX/XXXX some which provide several bills had been paid in full for over a year and still shows on your reports as owed? I spoke to XXXX on XX/XX/XXXX then sent copies and still no corrections have been applied? 
Listed under XXXX XXXX XXXX Delinquent account recovery and XXXX XXXX XXXX XXXX XXXX shows balance {$280.00} I have paid {$1000.00} To XXXX XXXX, XXXX from XXXX in which multiple physicians in clinic billed all under same account number # XXXX Medical Bill and sent ( 2 ) certified/ return receipts and no reply or response was sent to me instead reported to collections in which XXXX XXXX XXXX XXXX has reported to collections 12 separate times and has not applied my payments or corrected my balance? 
They have also requested payments on same billing charges 2 times in which I paid and received no refund or credit? 
I have filed complaint with supporting copies to XXXX XXXXXXXX and XXXX XXXX XXXX, LA. I sent all these supporting copies on XX/XX/XXXX. In last 10 months of Bankruptcy due to fraudulent mortgage not recording payments which I also filed complaint XX/XX/XXXX and took till XX/XX/XXXX until sent response shown no record of payments but, I found error in which they removed from escrow 2 insurance payments 90 days apart totaling {$3600.00} annual insurance is : {$1700.00} XXXX XXXX XXXX paid from escrow {$1700.00} both these amount in 90 day period meanwhile Bankruptcy Attorney had us paying monthly to escrow to pay insurance and also had us pay out of pocket directly to Insurance company also. Bankruptcy paid over {$15000.00} XX/XX/XXXX payment to XXXX XXXX and since XXXX to XXXX our principal balance is still at {$72000.00}. 
( 23 years later, ) mortgage was also attempting to intimate us into modifying we refused now they are attempting to have us modify our loan again sent paperwork to our Bankruptcy attorney they send modification papers to us and state in letter they did review before sending modification paperwork to us. Motion for property correction in court since XXXX and we have received no updates to this motion, from Bankruptcy attorney? mortgage has stated will not correct property description until exit Bankruptcy and court house property description has been filed in court house records corrected since XX/XX/XXXX. Mortgage acquired loan XX/XX/XXXX. Loan # XXXX. Refuses to correct? I want permanently on our record we refuse any modification from XXXX loan in XXXX and again present date XX/XX/XXXX and do not want any modification. Credit bureau files stated from 2 separate company that we have no open real estate loan and shows {$0.00} balance on real estate XXXX XXXX XXXX, XXXX   Loan # XXXX and XXXX XXXX XXXX, XXXX - Loan # XXXX. Have receipts paid to : XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX all under loan number # XXXX. 

also have billing issue with XXXX XXXX which as XX/XX/XXXX XXXX class   action suite vs XXXX XXXX. Actual amount owed {$19.00} in which they over charged {$50.00} for unreturned equipment in which I have copies XXXX XXXX XXXX tracking number 4 returns, In which returned on 1 issue Tuesday, XX/XX/XXXX Then recharged {$99.00} ( 3 ) months later after returning equipment have ups tracking slip proof equipment returned. 
XXXX Class action suite for over charging customers, kept interrupting services and attempting to charge from XX/XX/XXXX to XX/XX/XXXX services were stopped XX/XX/XXXX and XXXX put in their system false date of XX/XX/XXXX. Delayed sending return slip from XX/XX/XXXX to XX/XX/XXXX then attempting to charge and had no services after XX/XX/XXXX. 
In XXXX called me continually doing repeatly while on Do not call list for 5 years now. I have recorded multiple conversations one of which I stated do not call or contact me for promotions and no other calls, no exceptions. I also have 30-40 e mail proof of incident records, XXXX stated as receiving no payment in XX/XX/XXXX I have their XXXX mail payment confirmation on that payment and many others as proof. 

Sincerely Yours, XXXX XXXX On Tue, XXXX XXXX, XXXX at XXXX XXXX Experian XXXX wrote : Experian To ensure that youll receive emails from us, please add XXXX to your address book. To unsubscribe or change your preferences, please click here. 

Privacy Policy XXXX XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. 

XXXX XXXX, XXXX, an Experian company. All rights reserved. 

XXXX XXXX XXXXXXXX XXXX, TX, XXXX, US Experian Also unable to login to CFOB and has nit sent in new login link after several request by e mail and on phone?

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