Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: VA
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:
Yes Im upset over XXXX XXXX XXXX XXXX you will see on my credit Report for 7 years showed they charged off a checking account the dates in correct the amount of charge off was in correct and Ive paid off that balance and I also have had Experian Representing me and filed a dispute on my behalf after repeated attempts that it was incorrect getting nowhere I filed a dispute they told Experian they will not remove it and refused to and I have proof as I have the same account they claimed was charged off open bcuz I paid balance and they reopened the checking account same number n card number in all and I also paid for my Experian services and membership using the very card to the exact checking account they claimed they charged off and forced closed???? I had this proof but all I was told n they wouldnt budge n that they only tried to mediate but sounds like I paid money for nothing but for the membership but I have statements and online access I showed and even sent emails from when we took care of the negative balance and Im upset its sitting there cuz someone dont wan na remove it and the rules are Ive worked n banking n credit unions are if its charged off forced closed after 30 60 90 days they can report it but I took care of it and to be rude n have proof they can see the account is open or was but its hurting my credit score negatively and bad business and its unjust I paid it they posted it on my credit way before they ever closed or charged or went to force it closed if they would have Id never be able to reopen that account again but I did and I paid the hundreds of dollars that someone fraudulently charged my account and they refused to refund or help n investigate my claim bcuz I had no email showing I asked them to close n stop trial and I talked to the owner of the site n he vanished and I showed I tried communicating with him and showed proof of the company wouldnt reply n answer I complained n said I did not get the services They let clear weather fraud and it was totally unauthorized but let that slide and over XXXX dollars for a membership to celebrity contact info in it was a scam site I informed them they wouldnt listen I showed they would not answer n they still let them charge me for a product I never got nor used them tried jamming me I was mad refused to pay fraud they reported forced closed and the account was opened and I made it positive n paid them reguardless but I dont do business with them and chaps my hid that its hurting me still and they let it happen and I gave them there money and they lied false info on there I paid that and they say I havent and they informed Experian they would not take off or reverse n thats all they tried and I called and I had proof and blame game on others n not there fault n not responsible for reporting to credit and run around and still never got fraud handled and I still paid for fraud services never rendered fake addressss contact info numbers etc and lies scams if they investigated they would have seen but nope, then they reported falsely to credit agency lies and false info hurting my credit worse when there dates are incorrect they said negative XXXX plus amount charged of unpaid and forced closed and thats lies you can pull statements and compare dates to credit report info when reported and charged off and dont add up and it never went that far I paid it and I want it off my credit they were paid there problem it happened then they cared not n falsified information to my credit n makes me look as a liar and I paid them n had the account when I first filled the complaint months back n I just saw its still not gone and Im upset it will sit there 7 years and not at all fair right or my fault as I have explained Experian had the complaint original filed and sent all thru them but if u request my statements and email exchanges to there Inter office mail I was assured all was good and someone else said different n just cuz they say no dont mean its right n they cant oush n falsely state I did not pay and lie fixing dates and letting that happen and fraud to begin with please feel free you have my full cooperation and permission call them request all my info and see they are wrong and liars and hurting my credit score and making me look worse than I am and slandering me on my credit. XXXX XXXX DOB XXXX XXXX my college email address

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