Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX, XXXX along with XXXX, XXXX, and Experian are all complicit in KNOWINGLY Violating my Rights as a Consumer. 
XXXX XXXX XXXX XXXX brought a lawsuit against me in XXXX XXXX. This case was decided in my favor. Judgment for Defendant was entered as the Court Ruling. 
I have a Judgement For Defendant that explicitly states '' the Court has entered JUDGMENT IN FAVOR OF THE DEFENDANT. This means that the defendant does not have to pay the plaintiff any part of the claim or costs in this claim. '' Dated for XX/XX/XXXX. 
This document was sent to all parties involved in the lawsuit. Reporting that I owe ANY amount to ANY credit reporting agency AFTER receiving this Court Ruling is unlawful. 
After noticing this Account was still reporting to ALL THREE Credit Reporting companies I decided to dispute this account with ALL THREE credit reporting companies. 
On XX/XX/XXXX, by certified mail, I disputed this XXXX XXXX account with XXXX. 
On XX/XX/XXXX, by certified mail, I disputed this XXXX XXXX account with XXXX. 
On XX/XX/XXXX, by certified mail, I disputed this XXXX XXXX account with Experian. 
With each dispute I included the Statement of Claim that started the lawsuit and the Court Ruling Judgment For Defendant showing the case was handled in court, the ruling was in my favor, and a Court of Law had decided that I DID NOT OWE ANY amount to XXXX XXXX XXXX. With each dispute I requested this account be REMOVED from my credit report file that each company holds. 
Each Credit reporting company completed their investigation and updated my credit reports stating the account was VERIFIED. 
I decided to request a reinvestigation into this XXXX XXXX account. 
On XX/XX/XXXX, by certified mail, I requested a reinvestigation into this XXXX XXXX account with XXXX and asked that it be deleted from my credit report as I DID NOT OWE XXXX XXXX XXXX and I had court documentation to prove that. 
On XX/XX/XXXX, by certified mail, I requested a reinvestigation into this XXXX XXXX account with XXXX and asked that it be deleted from my credit report as I DID NOT OWE XXXX XXXX XXXX and I had court documentation to prove that. 
On XX/XX/XXXX, by certified mail, I requested a reinvestigation into this XXXX XXXX  account with Experian and asked that it be deleted from my credit report as I DID NOT OWE XXXX XXXX XXXX and I had court documentation to prove that. 
With each request for reinvestigation I included the Statement of Claim that started the lawsuit and the Court Ruling ( Judgment For Defendant ) showing the case was handled in court, the ruling was in my favor, and a Court of Law had decided that I DID NOT OWE ANY amount to XXXX XXXX XXXX. I again asked each credit reporting Agency to delete this account from my credit report. 
Once again, XXXX, XXXX and Experian all concluded their investigation and concluded that the account was VERIFIED and ACCURATE despite having information proving otherwise. Each credit reporting agency could have easily searched the Massachusetts Court Record Database to verify the information I was presenting, its public information, accessible to anyone. 

Today, I decided to call XXXX XXXX to ask why they are continuing to report this account to the Credit Reporting companies. I was surprised at the compassion shown by the representatives but they were unable to discuss the account because it was with their legal department. I was given contact information for the legal department. I contacted XXXX XXXX XXXX at the number provided. I asked why this account was still reporting on my credit report after this case was Ruled in my favor, he did not have an answer for me. Instead, I was told the Law Firm does not control what is put on credit reports. So I'm dealing with XXXX XXXX  who can't speak to me regarding the account and referring me to their Law Firm and a Law firm who doesn't control XXXX XXXX 's reporting. 
I have a Ruling IN MY FAVOR from the Courts that XXXX XXXX XXXX, XXXX, XXXX, and Experian ALL REFUSE TO ACKNOWLEDGE and in the process they are violating my rights under State and FEDERAL LAW. 
This account has remained on my Credit Report for almost a year after the determination by the courts. I continue to pay High interest rates, have been denied a loan for my daughter to attend college, and go through an immense account of mental anguish which persists to this very day due to this issue that I am having with XXXX, XXXX, Experian and XXXX XXXX XXXX and the effects it has on me financially. Laws are put in place to prevent this very situation. XXXX, Experian, XXXX and XXXX XXXX are acting as if they are all above the Law. 
The Fair Debt Collection Practices ' Act IS THE LAW. 
The Fair Credit Reporting Act IS THE LAW. 
XXXX XXXX XXXX is intentionally misrepresenting the legal status of this debt and the credit reporting companies are KNOWNINGLY complicit in the false misrepresentation while ALSO violating other laws by continuing to report information they should know is erroneous. I am REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT AT ALL Credit Reporting Agencies including XXXX, EXPERIAN, AND XXXX as I DO NOT OWE ANY AMOUNT TO XXXX XXXX XXXX and this account should not be reporting on my credit 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 explanation