Consumer complaint received 2019-02-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I am writing this complaint and addressing " Experian, XXXX  and XXXX  who are three of the elite credit bureau agencies who ultimately has a stronghold over your life by reporting credit information. To begin I am very VERY disappointed and dissatisfied with the way that Experian, XXXX and XXXX runs and conducts business. They are supposed to by LAW report ACCURATE and updated information regarding individuals credit files as well as conduct ACTUAL investigations so they will only be reporting fair and ACCURATE information according to the FCRA. 

However stating these facts it has come to my knowledge that these Credit Agencies are NOT conducting business as they should by law. I have been disputing the item listed below for approximately 5 months now with no correct resolution which is removal from my credit report. Please note that Experian, XXXX, XXXX nor any one speaking for or on the behalf of each company can say otherwise due to the fact that I do send and retain all of my dispute letters and responses on top of me ALWAYS sending my dispute letters via Certified Mail. The item listed below is and has been due for removal for a numerous amount of reasons. Please also note that all three Credit Bureaus always CLAIM that they have done an investigation which I know is not true and the reasons are listed below for the creditor. 

CREDITOR : 1. " XXXX XXXX XXXX XXXX '' : To begin, This item should have been removed from my Credit files due to it being PAST the Nevada statute of Limitations, and not to forget to mention that with this creditor I have absolutely no ties with or contract with. Also I have the paperwork that this creditor sent me which is absolutely FALSE AND COUNTERFEIT ( also sent to Experian, XXXX and XXXX in a prior dispute )! There are incorrect dates that do not correlate with the actual information and reporting, The " Date of Contract '' clashes and voids the actual initial paperwork given ( which is counterfeit, against the law and considered erroneous information which each company should have noticed upon their " dispute investigation '' ). If you look at the " contract '' that this company sent to me you will notice that on page 1 of 6 ( which they did not send me all 6 pages of ) for the " Date of Lease Contract '' ( when the Lease Contract is filled out ) it states the Date of XX/XX/XXXX which is not possible due to the fact on Page 6 of 6 ( what seems to be the contract signing page ) states that it was signed on XX/XX/XXXX. If you look closely to the left side of this sign date is physically states " Date form is filled out ( same as top of page 1 ) '' Which it does not. That leads and proves that this document is counterfeit erroneous information as well as making the contract VOID! Also I would like to point out even more erroneous and information referring back to page 1 of 1 of the document sent to me from the creditor. If you refer to section 6 of the document you will see that it states the " Rent and Charges '' are a total of {$790.00} for the total lease period. Now if you will refer to the document with the Header " XXXX XXXX XXXX XXXX  ( XXXX ) '' noted below to the right it gives a list of all dates and amounts ( which again clashes, voids and proves that XXXX XXXX XXXX as well as the credit bureaus are reporting false information. ). This brings me to point out the incorrect information on this document in regards to my credit file. My move in date on this document states I moved in XX/XX/XXXX and my " Lease End Date '' was XX/XX/XXXX with my rent being {$970.00}. Also please be aware that if and as shown that my Lease date ended on XX/XX/XXXX how is it possible that this creditor is showing on my credit report with an opened date of XX/XX/XXXX on Experian and XX/XX/XXXX and XX/XX/XXXX on XXXX when I had already moved out? The answer is it's not. Everything about this item on my credit is totally bogus, out of the Statute of limitations, erroneous and counterfeit information and needs to be removed. Nothing matches and some how it is still being reported on my Credit reports which is absolutely unacceptable.

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