Consumer complaint received 2018-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has decided that the easiest way to deal with issues is to just lie when you are on the phone with them, and to not provide the information you request in writing. The telephone representative told me that they don't see the information that I'm talking about and offered to mail me an updated report. Instead, they mailed me an old report from eight months ago : the report was literally one from XXXX of XXXX, and it had a tremendous amount of inaccurate information. That meant that I then needed to wait an additional twenty days to obtain my new report online. As of today, XX/XX/XXXX, I have done so, and sure enough, the information is still inaccurate, and it is most definitively there and viewable. In short, I should not have ANY information on my report. There are four accounts that are considered positive. The problem that only one of those four is mine, and it is from XXXX. I don't want something that is paid and from XXXX on my report. I don't care if it is positive. It doesn't need to be there, and Experian need to remove it. The other three that are supposedly positive aren't mine. One is listed twice in XXXX. They are for student loans that I never had, so whether they are positive or not, they are inaccurate, and they shouldn't be there. I have provided documentary proof multiple times, including a court judgment, and Experian still won't remove this information. I have also included a police report number. All three accounts need to be removed. I can't believe the representative lied, said that he would send me proof in the form of a report, and then sent me something from XXXX, and now, I see they're all still there. Experian has wasted so much of my time, and I am going to just sue them if this isn't corrected this time. I have already submitted prior CFPB complaints, and no resolution ever occurs. Finally, there are four completely fraudulent accounts that are considered negative which are from the U.S. Department of Education, listing dates in XX/XX/XXXX and XX/XX/XXXX, which is impossible because you can't get two student loans for the same year, but only one month apart. Listed out of order, which also doesn't make sense, are the remaining two with dates of XX/XX/XXXX and XX/XX/XXXX. There are no records of these accounts with my college, or with the U.S. Department of Education. Tuition was {$530.00} per year back when I went, and I did not take out loans, which I have previously addressed with Experian several times. I want this removed immediately. If it is not removed, then consider this my Notice of Intent to Sue, which I will promptly do in the State of California within thirty days of this notice. Overall, Experian needs to stop relying upon the NSLDS system to provide its fraudulent information. Companies are allowed to list in NSLDS without providing any proof of anything. It means that we, as consumers, have to routinely being the correction process. This is a drain on the overall productivity and functionality of our citizens, and it has to stop. I am middle aged and have been working for three decades. I am tired of dealing with the same issue and having to continually repeat myself. I have the right to have accurate information reported about me, which in this case is NONE because I refuse to participate in the consumer economy after the colossal failure on the part of politicians in XXXX. I will not participate in a debt economy, I have no debt, I will not have consumer credit cards, and I have the right to have an accurate credit report that reflects my decision. STOP LYING EXPERIAN, and FIX MY REPORT NOW. I don't want you giving my personally identifying information to people in other countries, I don't want to talk to people who have no vested interest to be truthful, and I don't want to fight through the process of communicating with someone who can't understand my language.

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