Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: FL
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:
The Account originally disputed is under account number : XXXX and was reported by XXXX XXXX XXXX XXXX XXXX and to the credit bureaus under the dispute claim numbers above. I am refreshing my dispute of this account to include Experian Credit Bureau as it has come to my attention that the true reporting company is the parent company XXXX XXXX who are not recorded as such on my credit report. I have been writing to XXXX XXXX XXXX XXXX XXXX for months only to find out that this company is not representing themselves truthfully. I contacted the ( 3 ) credit bureaus including Experian sending them proof of returned mail provided to me by USPS. The ( 3 ) credit bureaus have failed to acknowledge who is the reporting agent responsible for reporting inaccurate information on my credit files. It is apparent from my credit file that the collection company is XXXX XXXX XXXX XXXX XXXX trading from XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but this account is actually reported by the parent company XXXX XXXX Experian credit bureau have failed to disclose their client 's details even after years of disputes in writting to XXXX XXXX XXXX XXXX XXXX and Experian credit bureau regarding the falsely reported account. I have attached copies of my latest letters sent to Experian and as you can see I wrote my letter in advance ( due to my employment commitment ) but I actually mailed it to Experian by certified mail a little earlier on the XX/XX/2018. 

My dispute against Experian via CFPB on XX/XX/2018 reference # XXXX I has NOT not resulted in a response just as my letter informing them that the address for this company reporting on my credit reports is incorrect and that all mail delivered to XXXX XXXX XXXX XXXX XXXX has come back to me as undelivered? ( see attached certificated of mail and dispute letters ). Again, I am provided my driving license to you on line with my complaint ; I am providing my social security card on line to you with my complaint ; I am providing a copy of my wage slip on line to you with the complaint ; I am again sending a copy of all letters and copies of certified mail on line to you with the complaint and relevant copies of credit reports showing the reported account. 
At no time at all was I advised that XXXX XXXX XXXX XXXX XXXX is not the company responsible for reporting and I was never advisd that it was the parent company XXXX XXXX that I should have been addressing my disputes via mail. I have spent many months and incured expenses for the certified delivery cost to dispute this account and I am totally disgusted about the treatment I have recieved and I am now in the process of filing a small claims inrespect of these issues and intend to sue the ( 3 ) bureaus including Experian reporting this inaccurate account as well as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for the full amount allowed for each case. I have been informed by my attorney that I can sue for the min of {$3000.00} per count and I hope you continue this act of invisibility so that I can sue you all in the state of Florida in the XXXX County Court if this item is not removed from my credit files within 15 days. Please be pre warned.

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