Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: NY
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 of XXXX I was rejected for a small business loan based on my personal credit, when I received my credit reports from all three company, I saw that on experian credit bureau and XXXX credit bureau reports, there were tons of credit inquiries I didnt make in the end of XXXX and all through XXXX, and also two company that I made payment to and made agreement with me to remove neg information on my account was still posted. I also have address and phone numbers that were never mine on my reports. 

I send in a total of three letters per month to dispute all the inquiries and neg account each month from XXXX of XXXX, I got responds from both experian, and XXXX with my reports stating they have been updated, however the information is still the same. 

I reached out to the credit card company and lenders and nothing was updated. 

XXXX XXXX and XXXX are the two accounts on my credit showing neg. I made a payment agreement with the collection company through XXXX, and the agreement was I would accept the settlement and they would remove the account. When that was not done, I reached out to their corp office, and I was told that the account was updated showing it was settled, but they wont remove the account, or updated it as a postive, even though I provide the information including the agent I spoke with that agree to do so. 
On one report it's showing XXXX was charged off, and settled after charge off, and other reports show it was put under my XXXX chapter XXXX bankrupy, which it wasn't. I brought that to the credit report agency but nothing was updated or changed. 

XXXX I had a short term loan, the same thing with them. I called them and paid the full amount due, and they agree to remove the account from all reports, however it's still showing up and charged off and collection. 

Both XXXX and XXXX was beind due to major XXXX and XXXX, I was in contact with both company and kept them updated during this issue, and as soon as I got the money I took care of the debt. 

Ive done everything I could but I'm being ignored and nothing is being done and I don't know what else to XXXX. 

Address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX tx XXXX was a hotel my company had me stay at for a couple a months for work related stuff, never residence. 

phone numbers that were never mine, XXXX also XXXX XXXX is showing up on my credit report as a spouse or co-applicant, she is my mother and not on any of my credit cards or applications XXXX inaccuracy in inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian inaccuracy in inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also bankruptcy chapter XXXX on my report is showing being reported by the court, I got a letter after requesting the court to provide me in writting what they are reporting, and the court sent me a letter stating I have no case with them, and I was told by them they dont report or confirm any information to any of the credit bureaus. 

PS I disputed through XXXX  regarding the inquiries and both accounts and personal information like address and phone numbers, they they investigate all of it, and my personal information was updated to the correct info, and the other were removed, and they also investigated and removed all the credit inquiries i disputed, XXXX and moneylon are still reporting neg with them as well.

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