Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All 3 of the major credit bureaus are Blatantly and Negligent violating my FCRA rights. They all have been providing inaccurate, unverified, duplicate and FRAUDULENT information in my credit reports. I have been disputing these fraudulent accounts with ALL 3 of of the major credit bureaus to no avail.Im referring to XXXX, XXXX AND EXPERIAN respectfully. They have been recycled data amongs each other and have been allowing these bogus CREDITORS and OR DEBT COLLECTORS to refurbish and update or change info during and afterwards the dispute process. Dates of Open accounts and closed accounts are grossly incorrect. Also balances are inaccurate or not being updated every 30 days or correctly. They allow these reports to continue to change and make corrections that they say they Verified through a source. In many cases These Credit Bureaus report ( OPEN ACCOUNT Dates-XX/XX/XXXX XXXX ) ( FIRST DELIQUENT. REPORTED Dates-XX/XX/XXXXXX/XX/XXXX ) and ( THE DATE FIRST REPORTED-XX/XX/XXXX. ) Im referring to one of the XXXX REPORTS. That is being reported by a third party Debt collector ( XXXX XXXX XXXX )/ Original Creditor is ( XXXX XXXX  XXXX  ). Account # XXXX Where as this Account has been disputed as FRAUDULENT AND IDENTITY THEFT but the Credit Bureau XXXX allowed these Bogus and inaccurate reports to be verified by a third party and changed or updated to fit the DEBTORS need to satisfy why these accounts a being reported as collections or Delinquent. There are several instances where the account would be OPEN in XXXX but the FIRST DELINQUENCIES IS REPORTED in XXXX and then they would allowed the Creditor/Debtor to update this information in XXXX and may I add this is during the time Im disputing this FRAUDULENT INFORMATION. Also these Credit Bureaus seems to Recycle this information between each company because 1 CREDIT BUREAUS WILL DELETE THE INFORMATION AND THEN ANOTHER CREDIT BUREAUS WILL REPORTED IT WITH UPDATES AND INACCURATE CORRECTIONS. Also in some reports are Duplicate accounts from the same Creditor with the same account number but 2 Different reports. Im referring to the Lender ( XXXX XXXX XXXX ) which is reporting inaccurate information from Multiple accounts. With the same account Information and also this particular accounts was paid in full and was being reported accurately as such until I disputed the fact that this company was reporting inaccurate information and was Negligently impacting my CREDIT REPORT BY ALLOWING THIS ONCE PAID IN FULL ACCOUNT TO BE REOPENED WITH THE SAME ACCOUNT INFORMATION RESULTING IN 2 CREDIT REPORTS WITH INACCURATE AND UNVERIFIED INFORMATION. I have reported this to all 3 CREDIT BUREAUS. THIS IS CLEARLY A DUPLICATE ACCOUNT THAT HAS BEEN UPDATED AND FALSELY CORRECTED EACH TIME I HAVE DISPUTED THIS MATTER WITH ALL 3 CREDIT BUREAUS. I would like to take Legal actions against. ALL 3 of the major CREDIT BUREAUS. I CAN PROVE THESE ARE NOT MISTAKES AND THAT THEIR ACTIONS ARE HARMFUL AND INTENTIONAL. I HAVE DISPUTED THESE ACCOUNTS IN WRITING, ONLINE AND OVER THE PHONE. I have provided IDENTITY AFFIDAVITS AND OTHER INFORMATION TO PROVE THE INFORMATION THEY ARE REPORTING IS either DUPLICATES, INACCURATE, UNVERIFIED AND NEGLIGENT not to mission that I only had XXXX credit card at this time and majority of these accounts WERE reported as FRAUDULENT OR IDENTITY THEFT ALL OF THESE CREDIT BUREAUS IS IN VIOLATION OF FCRA LAWS. I was recently denied for a business loan because of outdated and Inaccurate information from all 3 MAJOR CREDIT BUREAUS. PLEASE HELP RESOLVED THESE MATTERS BECAUSE I DONT KNOW WHATS ELSE TO DO. THIS HAS BEEN GOING ON FOR ALMOST 5 YEARS AND HAVE HURT ME FINACIALLY BEYOND REPAIR. These dates are inaccurate and fraudulent because I didnt open those accounts nor did I apply for them or give permission too be opened. Certain accounts was being paid with stolen information to reload and defraud the creditor with the intent to boost my Credit to get more fraudulent accounts open by paying the bill. I was also APART OF THE XXXX DATA BREACH AND MY IDENTITY HAS BEEN FLAGGED BY THE FTC AND SECRETARY OF STATE AND NOW WITH CFPB. Thank you. 

XXXX XXXX XXXX XXXX XXXX

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