Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: AZ
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:
My complaint is with the Experian Credit Bureau. I've sent them several letters ( 8 total ) throughout the last 2.5 years with no help in regards to removing inaccurate and unverifiable information still being reported on my credit report which is now gotten to the point of defamation of my character and holding me back from moving forward with my life. I have letters I've sent them, copies of my certified letters sent via USPS and receipts, copies of my letters sent to Experian on XX/XX/XXXX ( first letter ), XX/XX/XXXX ( second letter ), XX/XX/XXXX ( third letter ), XX/XX/XXXX ( fourth letter ), XX/XX/XXXX ( fifth letter ), XX/XX/XXXX ( sixth letter ), and they did nothing to resolve all my discrepancies. I had to restart over with new letters to address again, also recently followed up with proof of my certified letter receipt dates and letters sent on XX/XX/XXXX ( first letter - 7th letter total ), and XX/XX/XXXX ( 2nd letter - 8th letter total ) - so in the last 2 and a half years ive sent over 8 letters to Experian with full details ( and have proof of all letters if needed ) trying to resolve this. Experian still to this date has not provided me my request to provide the actual physical proof of the full investigation of how this information is correct. It is not, and must be removed. XXXX XXXX XXXX XXXX and also XXXX XXXX ( auto loan ) to be deleted and removed from my credit report entirely. Experian still to this day is reporting a balance on both, and still reporting monthly I am late. This is against the law of the credit reporting agencies to do. XXXX XXXX says it is held with a 3rd party agency, but that agency does not handle my debt, and discover card refuses to resolve. This is horrible service and defamation of character and ruining my credit. It would be impossibly for Experian to state this information is correct when all my credit agencies are frozen ( XXXX, XXXX XXXX, XXXX, XXXX, etc. ) are all frozen so they couldnt of possibly been able to verify this information to be correct. This is fraud and false, and has consequences if not resolved. I even offered to settle with these agencies even though I don't claim being mine so I can move on with my life. So both Experian, and these agencies refuse to resolve this issue and will be taken up to the highest legal court route if necessary to resolve this illegal defamation of character and hurting my credit. Again, I have proof, receipts, and all letters that have been sent to Experian to look into this to remove, and still haven't in over 2.5 years. I demand Experian to remove XXXX XXXX and XXXX XXXX from my credit report or this will be forwarded to an attorney with all my proof of trying to resolve. Thank you.

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