Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
TITLE 7. OFFENSES AGAINST PROPERTY XXXX XXXX. FRAUD OFFENSE ( 2 ) XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  {$XX/XX/1500} Balance updated XX/XX/XXXX XX/XX/XXXX Account type Collection {XX/XX/1500} Payment Info Original balance {XX/XX/1500} Balance {$XX/XX/1500 Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The next fraud is from a unknown source I never did business with them. 


XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$XX/XX/XXXX} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX I think that XXXX XXXX has fraud and has intended to harm me with the excessive late charges. I am sure I never had a late charge. 


The Offense below I would like to accuse XXXX XXXX for commuting. When I am sure my bills have been accurate. 

Sec. 32.46. FRAUDULENT SECURING OF DOCUMENT EXECUTION. ( a ) A person commits an offense if the person, with the intent to defraud or harm any person : From the PENAL CODE TITLE 7. OFFENSES AGAINST PROPERTY CHAPTER 32. FRAUD PENAL CODE TITLE 7. OFFENSES AGAINST PROPERTY CHAPTER 32. FRAUD SUBCHAPTER A. GENERAL PROVISIONS The credit servicer said that the charges take up a portion of my credit score. I switched my loan servicer from XXXX XXXX XXXX XXXX XXXX 

My credit score is bad I am really getting into no apartments or houses with such a bad credit score even with a job. My mother is elderly and wont hardly help me. I am really afraid she will die. And I have no other parents to help. I am pretty sure my friends wouldnt help me with it either. 

XXXX XXXX Account Info Tap labels for more details Account number XXXX Fed Loan Service is a terrible company I had no late bills and they are pretending I had late payments. I need them to take of late payment remarks because they actually affect my credit score the credit service said. It affects the score quiet some. 


Payment Info Status Paid, was past due 180 days or more Status date XX/XX/XXXX Past due amount - Original loan amount {$XX/XX/2000} Monthly payment This is a fake loan that I never received from the community college for some reason and I have no late payments at all. 
I would really like to have all the late payment accusations taken down I think its part of a joke when it affects everyones credit score. 

I would also like to make claims and check if my credit accounts with XXXX, XXXX, and experian have been compromised and had the credit score personallly adjusted.

As an example I had my credit score drop by XXXX points from experians website only and not XX/XX/XXXX and XXXX and it didnt owe any bills or get any warnings. I will attach a pdf of the evidence Another offense is that XXXX XXXX offered a false claim this month after I lived there a year and a half ago and had payed all my bills there was no problem when I ended my lease a year and a half ago. I have attached documentation.

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