Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
The three credit reporting agencies Experian, XXXX and XXXX for years have been keeping items on my credit report that have past the statue of limitations act of my origin of State. And when I have put in a complaint to you, they say explain each item and when I do they still do not resolve the issue and keep going back and forth thus frustrating me to just give up. I am not able to get a car loan because of items that are not true in my reports and they refuse to do anything about it. Also they will send and email to the lender and then when the lender says yes its true without receiving any verifiable evidence of the alleged debt they just believe them. Not obtaining the facts as true or correct. Also there are many items that are on my credit report that are outdated and are not to be on my report by law and they have not been omitted of my report. The credit reporting agencies are not enforcing there policies or practices of giving the rights of the consumer. I am asking for proof and evidence and legal documents that backs up what the alleged debts are that are on my report. Not just an email to the credit agencies as to the alleged debt on the report. You have given them all the power not to legally challenge the alleged debts on my report. Thus denying me to prove my innocence of the debt in question. My interest rates are so high that I am not able to purchase anything or able to afford it. Why are you allowing the credit agencies to direct all the items in question. By law the are to remove old and outdated items which they are not doing. And they know what negative items are on the report. The credit agencies are to be fair and just in reporting accurate information and that they are by legal means to challenge the alleged debt and inaccurate information on the reports. I have seen names on my report I have never used, I also have former addresses that I have never resided at. I have seen old and outdated information, and all of it is negative mostly. I see some positive reporting on one of the credit reports but then the others are not reporting it. I have addressed this for years and nothing is done it is just ignored. I thought that federal law is supposed to enforce these agencies to report truthful and accurate information. But they ignore getting truthful information from the alleged debts. I am asking you to have them obey federal law and not have me the consumer always trying to defend myself. They need to obtain the legal evidence of the alleged debts before they say this is a true debt on my report. It is not my job to enforce them obtaining the legal evidence the need to put it as a true and honest record on my report. That is there job, and they are not ad hearing to federal law of proper reporting of said items. I am just asking that you take this matter urgent, and have the reporting agencies give the required proof to you of all signatures and legal signing of all documents that I have signed as evidence that I really had the alleged debt. And if not to remove all negative items on my report on all three credit reporting agencies. I submit a complaint to you, then you leave it up to the credit agencies to do the work. But I see no enforcement. All I am asking you is to have the credit agencies go by Federal LAW so that I can have Liberty and freedom of the United States of America. I am a United States Citizen and we all should be treated equally.

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