Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2018, somewhere in that time frame in the month of XX/XX/2018 I opened a dispute with XXXX XXXX XXXX XXXX ( XXXX ) and XXXX. This was even followed up via phone ( toll-free ), addressing all concerns. This did and do apply to all entities due to the nature of partnership ( s ) and afflictions. This also applies to third parties and third party advertisers including XXXX, XXXX XXXX XXXX and all affiliates including the unknown partnerships and affiliations. The channel and obstacles one must make and channeling that one must do for getting things resolved is extremely exhausting, time consuming, complex and extremely stressful. Please allow me to identify all parties and affiliates ( including all entities ) XXXX XXXX, XXXX XXXX ( XXXX ), XXXX, Experian, XXXX ( INCLUDING ALL CREDIT REPORTING AGENCIES ) and all partnerships, associations and affiliations and those in Partnership with the subjects listed here and through out this description. Allow me to make this clear direct and clear with identifying all the above subjects known as Credit Reporting Agencies and their entities and affiliations. Please note this will and do include XXXX, XXXX and XXXX XXXXXXXX XXXX known and unknown affiliates and partnerships. I am requesting that what is corrected in one entity must and will be corrected in all, because of the afflictions, associations and partnerships. I do have the Rights to be informed and the Rights to a Fair Credit Reporting Act ( FCRA ). I do not and will not consent to any parties and entities misusing my information and reporting negative inaccuracies for financial gain and or capital. I am requesting for all the above parties, subjects, and Credit Reporting Agencies to remove all inaccurate information from their accounts. All Creditor 's Debts has been paid in full from me the consumer ( individual ). Letters via postal mail and via phone have been sent to me confirming balances paid in full. All debts have been fulfilled with full payments and I have letters verifying that in my personal files and in some of these other credit reporting agencies reports. All Creditors have been informed that I have rights to a fair credit report and I requested that all payment history information be reported to all 3 major credit bureaus. That was agreed upon and completed ( also with recorded conversations for quality assurance ). XXXX XXXX, XXXX XXXX ( XXXX ), XXXX, Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX and all your affiliates need to remove all inaccuracies immediately and properly as the debts have been paid in full to all creditors. Those are my Rights under the Fair Credit Report Act ( FCRA ). Which all agencies have violated and that are currently still violating. I will not and do not consent to being or having my rights under the FCRA violated. I refuse to be subjected to all the above entities and subject 's cat and mouse games and misleading. Furthermore, time frames and laws trump all the inaccuracies on my credit report and including what is stated in a lot of these entities own disclaimers and notices in their practices and policies. That situation within itself was a violation of the laws in place to protect consumers. I am requesting that all inaccurate information concerning me and my social security number be removed immediately. That is including any information that is negatively impacting my credit score and credit insurance history scoring including my credit worthiness. All Credit reporting Agencies and affiliates including all subjects listed in this complaint this do apply. Also, I am requesting that all the listed subjects in this complaint remove all inaccuracies that are negative including auto, home, business insurance score being negative. I have never lapsed on any Insurance Policy so the reporting score ( s ) need to reflect positive scoring practices. Personal Notes : I do not pay off debt to be then negatively effected by the improper, incorrect and inaccuracies of these Credit Reporting Agencies and Affiliates.

Please Note anything that has my social security number, name or signature does not and will not deem as my consent to any soliciting, marketing, advertising or partnership. All things will only be consented to before and after my legal representation consulting and approval.

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