Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
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 attempted to dispute erroneous payment history information and balance information by 3 different creditors on 3 different occasions. Ive been informed I cant re-dispute an item previously disputed regardless and/or systematically I am unable to dispute the information because previously disputed. 
Creditor # 1 : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX continues to be reported as past due since XX/XX/XXXX. I entered a hardship program with this creditor in XXXX and has paid them on time monthly of {$100.00} per agreed but yet all 3 major credit bureaus are reporting me as late each month no matter how many times I call and attempt to file a dispute. Ive made several attempts at rectifying this negative, erroneous information with the credit bureaus and still today nothing has been resolved except that Im still reported as past due now 120+ days past due as well as none of the major bureaus report the accurate credit limit amount on this account of being {$4000.00}. I have never been reported as having the correct {$4000.00} credit limit on this account since XX/XX/XXXX e we hen my credit limit was abruptly limited by XXXX XXXXXXXX XXXX. There was no apparent reason for limiting the credit limit to {$3000.00} or so because this was not a revolving credit card. It was an approved credit amount to pay for XXXX sold to me at the Drs office during XXXX  visit. No additional amount was ever requested, used or provided by XXXX XXXXXXXX XXXX The {$4000.00} credit limit I maintained for 1 year since XX/XX/XXXX, I verified this amount just recently again 2 days ago with XXXX XXXXXXXX XXXX I also verified if XXXX XXXXXXXX XXXX was reporting me negatively as past due since XXXX because I have paid on time since XXXX as agreed. The creditor stayed they have not reported me as past due ... & that it is up to the credit bureaus to report me accordingly, not XXXX XXXXXXXX XXXX being theyve supplied the major bureaus with correct information. None of this is accurately reflected month after month since XXXX on my credit reports from all 3 major bureaus. Something is seriously wrong and flawed! I deserve to be reported on fairly and correctly, regardless of why or how systematically or programmatically the credit reporting was processed have failed. Please step in and assist with this failed resolution. 

Creditor # 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Incorrect balance of {$1200.00} & {$700.00} or {$150.00} still shows as outstanding on XXXX , XXXX & Experian until this day! I have tried over and over and over to dispute this item as paid off with a {$0.00} balance and has disputed it with XXXX XXXX but yet the item still today shows a balance on the closed account. This is illegal and unfair treatment. The credit bureaus stayed the usual that I can not once again dispute an item that has previously been disputed or either the system will not allow me to technically dispute it. I am soo very tired. Please assist me with getting both of these items corrected and accurately updated as soon as possible. Months have rolled by where my credit score has negatively been impacted because of these aggregious, improper, unlawful, illegal acts of both the creditors : XXXX XXXX XXXX XXXX, XXXX XXXX & the 3 major credit bureaus : XXXX XXXX & Experian. 
Creditor # 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, SD XXXX This creditor has reported me as in default in excess of 7 years. The amount borrowed {$4500.00} for a private personal loan for a school ; however not a federal student loan, but no matter how often Ive disputed this item with XXXX XXXX & Experian ; all 3 bureaus continue to report this item as being accurate. This is wrong, unlawful & illegal. This is reported on my fatherS credit report as well where he is classified by the XXXX XXXX XXXX as being XXXX XXXX XXXXXXXX for years now! I am livid and saddened because this type of unfairness, unjust & illegal activity has been permitted to continue by the Govt sanctioned major credit bureaus. Please step in to control and rectify this matter as well as punish the wrongdoers in these offenses. In case my contact info is lost or mishandled ; I am including it in the body of this message as well with expectations that my personal information will be handled with the strictest of confidence and held within compliance if federal fair credit act compliance laws : XXXX XXXX

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 explanation