Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: NY
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:
I have disputed with the three credit reporting agencies, XXXX, XXXX and Experian, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX. I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.

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