Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: CA
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:
I have a difficult time realizing I'm doing this on XXXX XXXX. We as a family and most of the world are celebrating that XXXX died for our sins and that tomorrow HE came out of the tomb to help us. We will have XXXX egg hunts and family joy together. I have to work today so that I can pay my bills ( and I do ) and that even if my wife was XXXX about a year ago she is fine today and working many hours as a nurse helping lots of people. 
This complaint involves Experian, XXXX, XXXX, myself and XXXX XXXX. 
All the credit bureaus seem to be on a partnership level, a business relationship with XXXX  that allows them to make money together. The problem is that XXXX a company that advertises " help with your credit '' is really just a company that sells very very overpriced merchandise on credit.. XXXX does not appear to be concerned with accurate credit reporting or good customer service AND Experian appears to back their client XXXX to help them even if their client XXXX is wrong. XXXX appears to have a separate business relationship with XXXX as well. 
I am XXXX XXXX AND MY FORMER XXXX PARTIAL ACCOUNT NUMBER IS XXXX. THE ACCOUNT IS SHOWING TODAY ON ALL THREE CREDIT BUREAUS. 
T he way the account shows is destroying me financially.IT IS WRONG, YET EXPERIAN keeps saying that their " PARTNER '' XXXX IS RIGHT. 
THERE HAVE BEEN 3 INVESTIGATIONS IN LESS THAN 30 DAYS.EXPERIAN AGAIN FOR THE 3RD TIME TODAY VERIFIED THE FALSE INFORMATION OF THEIR BUSINESS PARTNER..XXXX IS UNDER INVESTIGATION, THAT IS XXXX IS INVESTIGATING THEIR BUSINESS FRIEND AND PARTNER XXXX RIGHT NOW AND WE DON'T KNOW THE OUTCOME YET. XXXX SEEMS TO BE ON THEIR OWN PATH.THEY WILL NOT ALLOW ACCESS TO THEIR WEBBSITE TO DISPUTE IT. 

MY ACCOUNT IS CLOSED, AT XXXX XXXX PST XX/XX/2021 I TOLD XXXX THAT I WOULDN'T BE INTERSTED IN KEEPING AN ACCOUNT OPEN AND TO CLOSE IT IMMEDIATELY. 

ON XX/XX/2021 MY MONEY WAS IN XXXX ACCOUNT BRINGING THE BALANCE TO XXXX AS IT HAS BEEN XXXX DOLLARS BALANCE SINCE THAT MOMENT.. 
I ONLY HAVE ABOUT XXXX DOLLARS TOTAL DEBT ON ALL OF MY CREDIT CARDS IN TOTAL BUT XXXX AND THE CREDIT BUREAUS SAY I HAVE ABOUT XXXX PER CENT CREDIT USAGE BECAUSE XXXX AND EXPERIAN KEEPS VERIFYING EVEN TODAY THAT MY PAYMENT IS LATE AND THAT I HAVE A {$1200.00} BALANCE AND THAT MY ACCOUNT IS OPEN. 

ONCE AGAIN I HAVE XXXX BALANCE.THE ACCOUNT IS CLOSED AND XXXX ALWAYS CREDITS THE PAYMENTS AS LATE EVEN WHEN THEY ARE NOT AND SO FAR, ANY DISPUTE EXPERIAN AND XXXX  BACK UP THEIR FRIEND XXXX AND PUT OUT THE FALSE INFORMATION THAT XXXX WANTS TO PUT OUT THERE. 
ALL THE PROOF NECESSARY TO BACK EVERYTHING I SAY IS ATTACHED. 
MOST OF THE INFO. COMES FROM EXPERIANS OWN WEBSITE THAT I AM A MEMBER OF.XXXX HAS RECEIVED A DISPUTE THROUGH XXXX XXXX, A BUSINESS PARTNER OF XXXX. 

- FOUNDER OF THE CFPB IS IN OFFICE..XXXX WILL BE HERE SOON.SENATOR XXXX XXXX, THE COFOUNDER OF THE CFPB IS RUNNING MANY THINGS IN THIS COUNTRY RIGHT NOW. 
ALL IS WELL EXCEPT FOR A FEW CORRUPT CREDIT BUREAUS WITHOUT ANY RESPECT FOR THE FAIR CREDIT REPORTING ACT WHICH THEY QUOTE EVERYTIME THEY DO NOT WANT TO ACCEPT A DISPUTE ON XXXX SAYING THEY INVESTIGATED IT BEFORE.

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