Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am being reported for having negative credit or late payments for accounts that I no longer have I account has been closed there's no way that I can make a payment on an account that is closed I have no idea why all of a sudden I'm being reported for having a negative payment to an account that I don't even have access to anymore and has been closed since the beginning of last year XXXX i'm also having issues withbeing reported as having adverse credit I'd have no idea who is reporting me for adverse credit I think it's very unfair because I found bankruptcy in XXXX  two years of six years ago seven years ago I'm sorry and there's all of a sudden an adverse credit that is being popped up every time that I try to file for credit I have no credit I have student loans that I have on my account and two collections that did not belong to me that I found respect disputes onI don't know why does adverse credit re being recorded and I wish that it would stop or at least give me an explanation of what is adverse on my credit report this has stopped me from being able to do a refinance on my house which ultimately foreclosed on it is stopped me from being able to get credit for my for student loans and I'm at the last year of my college my XXXX XXXX XXXX and I'm unable to find alone to pay for my education because of this this is stop me from being able to get credit in general and I have no credit I want to know why the agencies are reporting adverse credit I also want them to remove late payment fees for accounts and account one account that has been closed that I no longer have access to since XXXX is my credit score being dropped XXXX points when I have not had any credit also when I had to move from my house I was applying for credit to buy a camper and the same company that I applied for the camper for reported my credit five times There's five times with three different companies that ran my credit five times since on my inquiry report which lowers your credit score I don't think that's fair and I think that should be removed if it's being reported for the same thing such as a car or camper or a loan from the same company It should not be listed five times which raises your inquiry credit scoreThank also I believe that this type of credit report and is race related and that they purpose that you guys are purposely doing is to XXXX XXXX people so that they may not be able to get received a credit or be able to get the credit that they deserve There's no reason why my credit score should be going down XXXX points when I have no accounts no bills that are that I have that are due to me and that I had to file bankruptcy because of identity theft which is known by the IRS social security and has been reported to you guys or should I be getting adverse let it sent to creditors when I apply I believe that this is targeted

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