Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: TX
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 these accounts, multiple times, without success. The credit reporting agencies, still, have not investigated the proof of the alleged payment that XXXX and XXXX are stating I made, which is what is keeping these accounts on my credit reports ; these accounts are past the statue of limitation. They were opened in XXXX and XXXX. I never made a payment on them. I could not make a payment on them ... I was in XXXX. XXXX said that they could not provide proof of the payment made on each of these accounts. This is the most recent information that I have given the credit reporting agencies and the creditors ... 

TO WHOM IT MAY CONCERN : ALL XXXX AND XXXX ACCOUNTS ARE TOO OLD TO BE ON MY CREDIT REPORTS. THEY ARE STATING PAYMENTS WERE MADE ON ALL ACCTS AT THE SAME TIME. I DID NOT MAKE PAYMENTS. DATES OF DELINQUENCY ARE ALL WRONG. THEY CAN'T PROVIDE PROOF OF PAYMENTS. I WAS IN XXXX WHEN PAYMENTS ON EACH ACCOUNT WERE ALLEGEDLY MADE AND ALLEGEDLY MADE ALL ON THE SAME DAY AT THE SAME TIME. THE ALLEGED ONLY SINGLE PAYMENT EVER MADE AND IT WAS ALLEGEDLY MADE 2 YEARS AFTER THE ACCOUNTS SHOULD HAVE STOPPED REPORTING TO THE CREDIT REPORTING AGENCIES BUT THEY STILL WERE REPORTING AND THE SINGLE PAYMENT MADE ON EACH ACCOUNT AT THE SAME TIME BEING REPORTED WAS ALLEGEDLY MADE WHILE I WAS XXXX EVEN ... THIS SINGLE PAYMENT MADE TO EACH ACCOUNT ( FAKE PAYMENTS ) JUST SO HAPPEN TO ALLOW THE CREDITORS TO KEEP REPORTING ON MY CREDIT REPORTS ... ONCE MORE I COULD NOT MAKE PAYMENTS. I NEVER MADE A PAYMENT. I WAS IN PRISON. XXXX CAN NOT PROVIDE PROOF OF THE PAYMENTS. EQUIFAX, TRANSUNION, AND EXPERIAN WILL NOT INVESTIGATE THIS AFTER SEVERAL DISPUTES. XXXX XXXX ALREADY REMOVED THESE ACCOUNTS FOR BEING TOO OLD BEFORE XXXX BOUGHT THEM AND THEN XXXX FROM XXXX. THEY ARE REPORTING ACCOUNTS TWICE ALSO. I HAVE BEEN BATTLING THIS FOR YEARS AND THE CREDIT AGENCIES HAVE FAILED A CONSUMER AND ARE ALLOWING THESE ACCTS TO STAY ON MY REPORT WITHOUT EVEN RESEARCHING THEM. DOES ANYONE ACTUALLY READ THESE? YOU ARE NOT FOLLOWING GUIDELINES BY REMOVING THESE YEARS AGO WHEN I FIRST DISPUTED THEMI 'M CONSIDERING SUING FOR ALL THE CREDIT BEING DENIED TO BUY A HOME AND CAR FOR MY CHILDREN. THEY ARE EVEN SAYING THE PAYMENTS THAT WERE MADE THAT ARE KEEPING THESE ON MY REPORTTHEY ARE EVEN SAYING THAT THEY RECEIVED THESE PAYMENTS LONG AFTER THE ACCOUNTS SHOULD HAVE BEEN REMOVED FROM THE CREDIT AGENCIES. THESE WERE OPENED IN XXXX AND XXXX AND THEY ARE STATING THE ALLEGED XXXX PAYMENT IS KEEPING THEM ON MY REPORT BY CHANGING THE DATE OF DELINQUENCY ( TO REITERATE ). I CAN NOT MAKE THIS ANYMORE CLEAR. THEY SHOULD HAVE STAYED REMOVED WHEN WITH XXXX XXXX. IF XXXX XXXX REMOVED THEM DUE TO BEING TO OLD ... THEN THEY ARE TOO OLD FOR THE BUYING CREDITORS TO REPORT. THEY ARE TOO OLD TO BE ON MY CREDIT REPORTS. THE CREDIT AGENCIES HAVE FAILED ME AND MY FAMILY. XXXX AND XXXX ARE INVOLVED IN ILLEGAL ACTIVITY BY STATING PAYMENTS WERE MADE THAT NEVER OCCURRED. A PAYMENT ALL OF THE SUDDEN APPEARS AFTER THE ACCOUNTS WERE 9 YEARS OLD. IT HAS NOW BEEN 13 YEARS SINCE THE ACCOUNTS  WERE OPENED. PLEASE REMOVE THEM BECAUSE THEY ARE TOO OLD. 

THANK YOU FOR YOUR ASSISTANCE, 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