Consumer complaint received 2019-11-16
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 status incorrect

Complaint:
XXXX  XXXX acct no. XXXX .... is wrongfully, inaccurately and damaging speculatively in the hundreds of thousands of dollars appearing on my experian credit report. 
After an average of 10 disputes per bureau, XXXX  and XXXX have deleted this account in spite of XXXX XXXXXXXX XXXX ruthless attempts to uphold their erroneous position. 
IN CIVIL DISCOVERY .... BY ME BRINGING ACTION ... AND HOPEFUL PROSECUTORY EFFORTS BY THE CFPB IT WILL BE DETERMINED THAT : THE CEO, XXXX XXXX OF XXXX XXXX, HEADS A LAW BREAKING, FCRA DISRESPECTING, EXTORTIONATE, CRIMINAL ENTERPRISE. 
IT WILL BE DETERMINED IN DISCOVERY THAT XXXX XXXX DOES NOT POSSESS ANY CHARGE, EVER, ON THE ABOVE NAMED ACCOUNT, THAT HAS MY WRITTEN AUTHORIZATION, SIGNATURE OR INITIALS, THAT MY IP ADDRESSES OF MY COMPUTERS AND PHONE WERE NOT USED IN ANY TRANSACTION, THAT I DID NOT ORDER BY PHONE AND THAT, INCLUSIVELY, HAVE NEVER MADE A SINGLE CHARGE OF ANY KIND ON THE ABOVE NAMED ACCOUNT.IN ADDITION, I NEVER PAID A PENNY TO XXXX XXXX FOR ANY OF THE ID THEFT CHARGES.IT WILL ALSO BE DETERMINED THAT XXXX XXXX XXXX " BACK-WATER '' ACCOUNTING STYLE DEMONSTRATED IN THE TWO PREVIOUS CFPB RESPONSES ARE INACCURATE AT THE LEAST. 
THE ACCOUNT CLOSED WITH 0 BALANCE AND MULTIPLE LATE PAYMENTS IN THE HISTORY.I NEVER MADE A CHARGE OR MADE A PAYMENT.THE ACCOUNT WAS NOT CHARGED OFF, WITH A BALANCE, OR WITHOUT A BALANCE, AND NO COLLECTION AGENCY EFFORTS WAS STARTED.CAPITAL ONE SIMPLY, WITHOUT CAUSE, DID PAPERWORK THAT RUINED MY CREDIT HISTORY ILLEGALLY AND UNJUSTIFIABLY. 
EXPERIAN DID NOT RECOGNIZE THE FEDERAL TRADE COMMISSION REPORT OF ID THEFT DATED XX/XX/XXXX, THAT THEY RECEIVED MULTIPLE TIMES. 
2019 AND EXPERIAN WHO PROBABLY CAN'T DECIPHER XXXX XXXX XXXX ACCOUNTING RECEIVED ... .OPTED TO SUPPORT XXXX XXXX WITH MORE THAN 10 FRAUDULENT VERIFICATIONS.

I CHALLENGE EXPERIAN TO DO A REAL INVESTIGATION, FOR THE FIRST TIME, AND ASK THEIR CLIENT XXXX  XXXX .... IF THEY HAVE ANY PROOF, MY SIGNATURE ON ANY CHARGE WHATSOEVER.ALSO, ASK XXXX XXXX IF THEY HAVE A COPY OF ANY CHECK OR PROOF OF FUNDS I SENT THEM ... I DIDN'T SEND THEM A DIME.SO ... .I HAVE CREDIT REPORTING LATES ON CHARGES I DIDN'T MAKE AND THEN A GRANTOR BRINGING THE ACCOUNT TO 0 PAID /CLOSED STATUS WHERE I NEVER PAID A BILL BECAUSE I NEVER MADE A CHARGE. 
ALL OF THE STATEMENTS ON THE ACCOUNT ARE THE RESULT OF XXXX XXXX XXXX " ADJUSTMENTS '' I WOULD BE HAPPY TO PROVIDE EXPERIAN WITH ANY ID THEFT AFFIDAVITS OR ANYTHING THEY MIGHT REQUIRE TO SUPPRESS THIS ERRONEOUS ACCOUNT AND WOULD DEMAND THAT EXPERIAN CO-OPERATE TO DO THIS SO THAT THEY CAN ALSO OBEY THE FCRA DICTATED PROCESS REGARDING ID THEFT REGARDLESS OF THE OPINION OF THEIR CLIENT XXXX  XXXX. 
CREDIT DAMAGES ARE MOUNTING ... I AM BUSY IN XXXX TREATMENT WITH CO-PAYS.

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