Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: NE
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 and a debt buying company XXXX  also known as XXXX XXXX along with XXXX XXXX XXXX have been reporting inaccurately to the credit repositories in regards to these " accounts '' for two years now. Filing a complaint with this agency is my last resort and I prey some form of relief can be found. To summarize my experience with the credit reporting/dispute process has left me flabbergasted at what little it takes to make it on to a credit report, considering how much of an impact this makes in our everyday lives and how much improvement is needed in regards to being able to dispute inaccuracies with credit reporters and the repositories. This tale all begins roughly two years ago when, just getting reestablished in my home town after an absence went about seeking to " repair '' my credit. After hiring a credit repair company and working on getting inaccurate information off my report we made a little headway and I parted ways with them assuming I could handle the rest on my own, lesson learned.Getting these three accounts removed after debt validation proving the lack of connection to myself in regards to XXXX XXXX XXXX  ( see attached documents ) and reporting and rereporting of various inaccurate information by XXXX XXXX XXXX and XXXX including there most recent stunt of putting in a XXXX reaging both accounts, I came to the conclusion that using the traditional dispute process was not going to work.These companies all seem to have the art of playing the credit repositories against the consumer down to a science and have made a joke of the process. It has been like a game of whack-a-mole getting one removed with another of the three popping back up with new ( different but still inaccurate ) information to report. Complaints with this agency have yielded the only useful information I have gotten in spite of the fact I have filed no less that 5 disputes with all three repositories that have accomplished nothing. I will get off my soap box and get to the facts, I apologize. In regards to XXXX XXXX XXXX and the collection agency they sold the charged off debt to XXXX a.k.a XXXX XXXX  account XXXX, this transaction took place XX/XX/XXXX After and account is sold and the debt is charged off the creditor is to report it as a XXXX balance. Well this did not happen, XXXX XXXX is reporting to one of the repositiories various " failure to pays '' which on a XXXX balance is not possible. I have disputed this, in fact this rereporting came after I filed my last dispute. XXXX XXXX and XXXX both intentional will file false, damaging balance histories when presented with disputes in retailition for filing them. I do n't accuse them of that lightly these are the facts that have become the realilty of my credit history. They have removed both the accounts in the face of these FCRA violation only to report them several months later, I would like them gone as XXXX never sent me any notification of the alleged debt I owe them and XXXX XXXX has wantonly violated the Fair Credit Reporting Act. Look at the variance in between the three bureaus and the length of time XXXX alongside XXXX XXXX XXXX have been reporting. Blatantly inaccurate they are all different and there is no way the balance could be anywhere near what they are claiming with out excessive fees being charged on the alleged debt. XXXX XXXX XXXX, account XXXX  is a monster of the same making. They initially reported not one but two accounts with an alleged credit XXXX XXXX XXXX They have been reporting this for over two years now and I have request numerous times for them to provide actual evidence of the debt, nothing was done. After repeated attempts at debt validation and a complaint through this agency they finally removed one account and provided documentation on another. This " documentation '' is spotty to say the least. There is not acknowledgement of debt, it is signed by someone who neither XXXX XXXX XXXX nor myself can even name and the debt does not belong to me. Again this has been disputed numerous times and the credit agency fail to respond in any manor, I had request a manual review and they failed to respond. This needs removed as I have continued to say the debt does not belong to me. Notice on the first page of the attached documents the date is stated as XX/XX/XXXXto an address I do not reside at, and from the original creditor even though XXXX XXXX XXXX has been reporting this since XX/XX/XXXX as a collection debt. This is a very clear violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. I pointed this out to the credit bureaus but again received no response. This is not something that should slid past. I prey this agency is able to accomplish what I have not and get these inaccurate cleaned up, I have been working very hard to build credit and these stumbling blocks do not belong here. I appreciate your attention to this matter and look forward to an amicable resolution. This complaint has been filed concurrently with a complaint against the three name reporters.

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