Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dear Concerned Credit Reporting Bureau And XXXX XXXX XXXX XXXX : This is a formal Complaint by XXXX XXXX ( full SSN XXXX, my address is above ) and addressed to the receivers of it or it is against your institution XXXX XXXX XXXX  so this Complaint also is against you the credit bureau. I am complaining against your failure to investigate appropriately and diligently a matter that I disputed with you. I am complaining against you for not willing to comply and remove inaccurate information off my records that you store in your databases and it has a significant impact on my financial reputation and my well being and other personal impacts.Your failure is a violation of the Fair Credit Reporting Act FCRA as a credit bureau who kept innacurate Information on my current credit report despite I proved to you that inaccuracy. You failure is in violation of the Consumer Financial Protection Act Of 2010 CFPA, your consent order with the Office Of The Comptroller of the Currency OCC and also your consent order with the Consumer Financial Protection Bureau CFPB as to XXXX XXXX XXXX   who introduced that same exact inaccurate information against my financial records as shown in my current credit report. XXXX XXXX XXXX XXXX committed more than continouing to keep inaccurate information against me and in retaliation against me after knowing the fact and motivated by my protected activities againt this bank. The subject of this complaint is clear and is about inaccurate information in my financial records with you. After this complaint and any situation after this, I reserve all my rights and all stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any type and at any time and by my person or my representative and without waiving my rights. 

What is the innacurate Information that was disputed and kept against my will by the violators? Recently, upon monitoring my credit report with the concerned credit bureau institution, I discovered innacurate information on the report. The innacurate Information is without a doubt, the malicious use and forgery against my information. I will further specify the  innacuracy found, disputed, requested it to be corrected or removed with my supporting evidences provided or stated to your company but still you kept it unchanged against my will and in violation of the law. 
my XXXX XXXX XXXX  credit account number XXXX ( account ending in XXXX ) which I opened on XX/XX/XXXX with credit line of {$5000.00} shows on my credit report as closed which is something I rejected it to those concerned and I also have a legal dispute about it and other issues and with XXXX XXXX XXXX not only as their customer but also as an employee of that bank. 

The innacuracy is the wrong information shown on a new XXXX XXXX XXXX account number different from the above ( I will name it : cover-up Account ) which is under my Information and XXXX XXXX XXXX was noticed or informed of my rejection of its existence and I believe it is a fraudulent Account opened intentionally by XXXX XXXX XXXX.opening the cover-up Account is fraud and this is a different subject in different case not the primary subject of this complaint which I described above .. I believe XXXX XXXX violated the above referenced consent order to open an account with my information and against my will. The cover-up account was opened under my information but against my will,, that is a fact that is not what I disputed with you credit bureau. I further informed you in my dispute that XXXX XXXX account shown open now in my credit report ( or the cover-up account ) never existed and/or recorded in any of my credit reports or my XXXX XXXX XX/XX/XXXX statement at any time prior to the month of XX/XX/XXXX and there is no way you can prove the opposite of this fact.. It is innacurate Information that cover-up Account is shown now in my current credit report with you as an account that was opened before this year of XXXX. Indeed, that is inaccurate and after I disputed it is still on my credit report as if it was opened in year XXXX or before year XXXX knowing it never existed before XXXX.. Isnt inaccurate to say that account was opened in year XXXX and it was not.For the credit bureau now and again through the CFPB platform and in this complaint against you, please delete the inacurate information and make sure a complete information is recorded on any of my accounts within your credit bureau. Just deleting when an account opened without further completeness is still in violation the FCRA. You didnt do anything about the inaccurate information as a credit bureau and it is your obligation .For XXXX XXXX XXXX , you committed fraud against me by opening that account ending in against my will and reporting it the way it is now on my credit report, with inaccurate information meant to cover up your other violations against me but you are to stay assured that you will be held accountable in court. 

Both the credit bureau and XXXX XXXX XXXX are conspiring against my person. The credit bureau insisting to keep inaccurate information to cover up XXXX XXXX XXXX  fraud againt me is illegal. Each one of you is to assume the full legal consequences of your actions that I believe you did againt me in violation of the law. 

whether you are XXXX XXXX XXXX or the credit bureau you are responsible for the accuracy of my information by law especially when I disputed an inaccuracy and/or incorrect information about me and within you control and I proved to you by evidence that account information is inaccurate and/or should never existed XXXX You are obligated to correct the inaccuracy which I believe is Fraud for your knowledge that is wrong and you insist to keep it. I believe you are violating my rights and with recklessness and you were given many chances and enough time but you failed to comply to law and respect your obligations toward my personal data or my information. You must comply to the law XXXX XXXX XXXX and the credit bureau. You are going to be sued and no one will stop that without returning to me or my representative and without Waiving my rights and all my rights reserved to me or my representative. 

I consent to the CFPB to view my credit reports before this year XXXX and the current one with the inaccurate information as detailed above. 
The violators has access to what they need to comply with the law and stop their retaliation and harassment almost in daily basis and againt a singled man but protected by law and before that by God. 


Very Respectfully, The complainant Today is 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