Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: IL
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:
Experian posted incorrect information about an account on my report instead of deleted it when they saw the red fraud flags. The fraudulent account was reported delinquent when it was not. I asked them to delete it like the other 2 agencies did and they refused to even when they had a police identity theft report FTC report and FCC report on file, the same ones the other 2 agencies had. They listed it as a new account with collections so collections would not know what they actually did also and so Experian would not know. They did it under the pretenses of a new account and even changed the account number. This is why collections refused to close the account because the old information did not match the false /fake/fraudulent new account listed in collections. 

XXXX reported False information to Experian about an account that was purchased by XXXX XXXX XXXX XX/XX/XXXX ending in XXXX. XXXX and XXXX deleted it from my report because they noticed there was no XXXX inquiry or late payment reported until XX/XX/XXXX when the account was already paid and contract between myself and XXXX dissolved in XX/XX/XXXX. Experian refused to delete it knowing this because they said " They required XXXX to contact collections and admit they reported false information and XXXX refused to tell the truth ''. XXXX called me at work and told me that they reported to the FCC instead, that They were aware that I traded in my devices XX/XX/XXXX. This means they no longer belonged to me since XX/XX/XXXX. I asked them to delete what they falsely reported to collections in XXXX cause they claimed XXXX XXXX XXXX forgot to pay them when I traded/ported my devices bill and contract to them. XXXX reported false information to the Credit Bureau saying I owed them money From XXXX XXXX to XX/XX/XXXX In the Amount of {$1300.00} under a fake account, which was false information. They did it because they knew I was in XXXX XXXX and depended on XXXX XXXX and knowingly reported false information to collections. They told collections it was a new account when the account in question was an old account that was acquired by XXXX XXXX XXXX which they knew and admitted on the phone while I was at work. I asked them to deleted the false report under the FCDPA and they admitted that it was a false report and claimed instead they would verbalize the account as " traded in ''. I explained this to Experian and provided proof that they lied about the NEW account, and even provided an alibi and bank statements in addition to a identity theft reports from FTC and FCC and police. They instead lied and said they had to wait for XXXX to contact collections when I showed proof that XXXX and XXXX deleted it. I asked them to remove the outdated and false information and they kept lying and making excuses.

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