Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
While reviewing my credit report with Experian I notice inaccuracies. I attempted to resolve the issues using the dispute option. Experian has been reporting inaccurate information that has been affecting my credit score. Many old accounts that have been included in my bankruptcy are still showing with a derogatory status or charge off status and some with a balance. 
1 account, I reported it was included in bankruptcy 3 years ago and demand it be removed from my credit report. Disputed multiple times and they refuse to treat the account accordingly then put the current date on the account making it look as if its a new debt. ( I have screen shot this I have images ) I looked in the bankruptcy list in Experians files and the account is listed in the bankruptcy. I again dispute their decision again showing proof the account is in the bankruptcy. Today a decision was made not only to leave the account showing and accurately reporting, Experian maliciously, illegally changes the account name I immediately take notice and screenshots the results. They are violating my consumer rights continuing to use debts and old accounts against me that were a part of bankruptcy that continues to keep my scores low. This is against the law. 

Problem # 2 Multiple accounts that were included in the bankruptcy still show on my credit report. With derogatory status and current dates! These accounts should not be listed on the report. 

Problem # 3 i contacted a utility company to pay a debt of {$580.00} i have made 3 payments on the account of almost {$200.00}. The collection agency XXXX XXXX hasnt reported in a few years. As I am working on paying the debt in good faith during this pandemic, after not reporting in multiple years, XXXX XXXX start reporting but no accurate balance. ( They are not supposed to have the account because the company gave me the option to pay them directly or the collection agency. I choose to pay the company ) ( XXXX XXXX XXXX  XXXX XXXX ) while monitoring my report I take notice XXXX  maliciously flags my credit report repeatedly, every few days! And Experian allowed every single flag/report with the original balance of {$580.00}. I took screenshots of all the flags/reports. I want all the negative and inaccurate reporting removed from my credit report and the proper score reported. XXXX years of inaccurate reporting should not be taken lightly. This is what Experian is doing to consumers. Violating their consumer rights Violating the fair credit reporting act. 

Because of Experian inaccurate reporting and violations of my rights, I have since been denied opportunities that I would have been approved for if accurate reporting and consumer rights were not violated. 

Experian even has a duplicate account reporting that was included in the bankruptcy. 
Experian took and used bankruptcy debt against my credit report violating the terms of a legal bankruptcy. 

Experian allowed a single collection agency to flag my account with negative derogatory ratings every few days for almost 6 weeks. But refuse to acknowledge and accurately report positive ratings greatly impacting my overall score. 

My experience with Experian will be made public and shared. Purposely hurting credit scores and reports is against the law.

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 non-monetary relief