Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
XXXX Has been notified more then five times within the pass four months and I am just really tired of the poor work going on over there. I have NEVER in my life lived in AZ and they still show it on my report after I informed them of this. They are the ONLY credit bureau that deleted my XXXX XXXX accounts that are still to this day in good standing. I contacted XXXX XXXX and they have told me that every month they report to the three bureaus. I see them on XXXX each month and Experian but still NOT XXXX. XXXX has also allowed a company that was charged off to come back and make their selves open and showing I am delinquent. But this isn't correct. The account was charged off and sold and I make my payments to the new company monthly. The company name XXXX XXXX XXXX. They are now on my report showing open and delinquent which has dropped my score. At this point I just want to cry because they have made such a mess of my account and refuse to correct it. I was told by three other credit card companies that were on my credit report that XXXX told them my credit report was the result of Identity theft and the accounts need to be closed and deleted and the companies did so, XXXX XXXX states they too received that letter but never closed my accounts and still report monthly. Please see my back up that shows that XXXX XXXX XXXX is doing very CROOKED things by charging off and coming back and opening account after months of it being sold to another lender. 

I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XXXX of XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XXXX of XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? I have now been hit twice by the bureaus and my score has dropped tremendously. 

AT THIS POINT I FEEL THAT THIS IS MY ONLY WAY OF GETTING THE THREE BUREAUS TO LOOK AT MY FILE AND UNDERSTAND THAT SOMEONE DELETE AND ADDED INFORMATION THAT ISN'T MINE. IT IS EFFECTING MY LIFE THERE IS BACK UP TO SHOW THAT ONE MINUTE THEY ARE ON MY CREDIT AND THEN THE NEXT THEY ARE GONE .... NO EXPLANATION! I JUST WANT MY REPORTS CORRECTED ONCE AND FOR ALL. XXXX THE SAME REPORT YOU DELETED FROM MY ACCOUNT IS ON BOTH OF THE OTHER BUREAUS AND THEY HAVE BEEN UPDATED MONTHLY SO WHAT IS GOING ON OVER IN YOUR OFFICE? 
I HAVE DEALING WITH THIS MESS SINCE XXXX OF XXXX AND NOW WE ARE IN END OF XXXX AND WE ARE STILL HERE MESSING STUFF AND INACCURATE INFORMATION BEING REPORTED BY COMPANIES THAT CHARGED OFF BACK IN XX/XX/XXXX- XX/XX/XXXX. 
PLEASE CORRECT XXXX XXXXL AND CONTACT XXXX XXXXXXXX AND THEY WILL PROVE TO YOU THAT MY ACCOUNTS ARE STILL OPEN/ ACTIVE- THE ONES YOU DELETED FROM MY REPORT AND THEY WILL ALSO INFORM YOU THAT THEY REPORT MONTHLY TO ALL THREE BUREAUS SO WHATS GOING ON. 
LASTLY IF I NEED TO SEND MY LEASE SHOWING I HAVE LIVED IN NC SINCE XXXX AND IN MY CURRENT ADDRESS SINCE XXXX I WILL JUST SAY THE WORD! 
EXPERIAN AND XXXX I HAVE TRIED TO UPLOAD THESE DOCUMENTS FOR DAYS NOW AND NOTHING SO HERE YOU ARE PLEASE REVIEW AND CORRECT MY REPORT.

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