Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX I called XXXX XXXX XXXX the person was rude, argumentive and did not want to hear my position. He tried to get me to admit to an outdated debt so that the time frame could reset. They record you to entrap you into agreements. 
XXXX XXXX called to discuss removing this file from my report and ask why they performed an inquiry on my credit without my permission on XXXX XXXX. 
There was a previous call in late XXXX where I tried to get information on why this account was on my credit file. I finally received some information dated XXXX XX/XX/XXXX that proves my point. They made a mockery of my XXXX  complaint I filed in late XX/XX/XXXX. 
I have tried to have this removed from my credit report since this account popped on my file in XX/XX/XXXX. They never sent me verification of debt as required by law they called if I am not mistaken asking me for me information which with all the scams I did not provide. They have only recently sent me documents dated XXXX XXXX due to XXXX   complaint and I was told today that more documents were sent on XXXX XXXX since I disputed the account again with credit bureaus. I was told directly by XXXX XXXX during a call not sure of the date that I can keep disputing with the bureaus all I want because they will just validate the information as accurate. Their position is they brought a debt for pennies on the dollar and want to make a profit. Bottom line is that this company have violated the FCRA and common decency for fellow citizens. He told me today they brought several accounts and according to the documents he has it is valid. On the call today the gentleman told me he will not remove it from my credit file and then tried to get to admit to information so he could have me on a recording agreeing to a business transaction with his company. Once he could not get me to agree he got angry and ended the call. I have no business dealings with this company and no legal obligation to them. The documents they finally provided has different information than what is being reported on the credit bureaus which is the basis of my dispute but yet the bureaus say it is 100 % inaccurate reporting valid information. I just want this company removed from my credit file and not to be contacted by them. The credit bureaus refuse to do there obligation under the FCRA and stop companies like this from putting unverified information on a person credit file. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

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