Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: NM
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:
Most current : Experian Credit Bureau has once again listed and allowed under, " Collections '' a Fraudulent Account that has already been, " Investigated, '' and Removed/Deleted by all the three credit bureaus, which are XXXX, XXXX  and Experian. Experian Credit Bureau has allowed a XXXX XXXX named, " XXXX, ie. Creditor, XXXX, Account # XXXX in the amount of, {$6400.00} to be re-submitted by another XXXX XXXX is quite, " Illegal and unethical, '' as this account should have been completely, " Deleted and Voided! '' This account had already been investigated and removed/deleted and yet it is being put back on. " I submitted three times, the many, many legal documents to validate my claim that it was indeed an Illegal, Fraudulent Account. 
The next account that continues to appear on my Experian Credit Report is the Creditor, " XXXX, Account Number XXXX in the amount of {$700.00} This account was also removed and deleted from XXXX and XXXX Credit Bureau Reports after they conducted their investigation and contacted the XXXX  Company, yet Experian Credit Report refuses to remove them. I have also submitted via Fax and via U.S. Mail all the documents showing that XXXX also continues to violate my rights as well as Experian Credit Bureau as the Federal Trade Commission Rules and Laws validates this claim! Experian Credit Bureau also has my credit report locked up to the point that only one individual who is a Supervisor who works in the Special Fraud Department is the only person who is allowed to make any changes as other Experian Employees have told me that they can not make any changes, even if they work in that same department. This is most unethical, unprofessional and illegal as I have tried to dispute the XXXX  Account like 9 times now and I can not get them to remove/delete the XXXX  Account. The XXXX Account is tremendously affecting my credit and they too have violated my rights by not reporting my payments as they should have been. Twice now, " Experian Credit Bureau has removed/deleted XXXX from my credit report, only to put it back on again? This XXXX Creditor did not give my credit for my payments and claim I did not make payments for almost an year which is just plain insane. ( If you take a good look at my " Payment History '' You will see that I have always made my payments on time for all accounts and XXXX would have not been no different! I should not be responsible for the billing errors that that made and then wanted me to pay for it. I finally decided to, " Settle '' this account and believe it or not but XXXX actually claims I made no payments in the months that I settled the account which does not make any sense! Plus, even after I settled the account in XX/XX/XXXX, XXXX continued to charge me way into the months of XXXX XXXX! When I brought this to the attention of Experian Credit Bureau 's Special Fraud/Dispute Supervisor that does not like me as we landed up having our arguments as I disapproved her work ethics and she has changed other things on my report that were not there before as I will explain. This Special Fraud/Dispute Supervisor has taken complete control of my Experian Credit Report to the point that no one has access to my records and no one but, " She '' can make changes! This is unacceptable and totally unbelievable that an employee of Experian would do this but it has happened to me and this is unacceptable! " I even tried contacting the CEO of Experian but I was unseccessful in reaching anyone! Experian removed these errors for XXXX but I had already copied the files for each month and I submitted this to Experian Credit Bureau but this Supervisor refused to help me and let XXXX Creditor do whatever they wanted to me as not even the documents I sent helped me! And those documents clearly state that XXXX continued to charge me up to six months after we settled the account! I fact, her exact words were, " People make little mistake and we can forgive them? '' This is not right! 
And the last thing that is going on with my Experian Report is the fact that most of my XXXX Loans with XXXX were all taken care of and all was good and now most of them state that they are, not cleared! " They have a big question mark on them??? This is an abusive of power and it is affecting my ability to access decent credit from Lenders, and not only that but is it affecting my Credit Scores! All my XXXX Loans have been paid in full and they should all read the same, just like they used to years ago before i started working with that one particular Supervisor. Experian Credit Bureau should not be doing what is is doing to me as it is against the law. If XXXX and XXXX were able to conduct their investigation and validate with the company, then I do not understand why I am being punished by Experian Credit Report! The Settlement Agreement clearly states in black and white that this account is forever, " VOID and NULL '' and Closed! And then it states, my credit report will reflect this change! Yet, because I offended one individual because I choice to speak up for myself she got offended. Again, it is not my fault that XXXX did not credit my account for my payments as I pay my debts! I have sent all legal documents for all accounts in question like up to three times now and I can not continue to keep doing this as it cost me money to send all these documents over and over again. Experian Credit Bureau needs to abide by, Our Federal Trade Commission Laws! " My Consumer and Constitutional Rights are being abused and violated and I need this to stop! '' Experian Needs to stop allowing Creditors that have already been removed for being, " Fraudulent Accounts '' to be put back on my credit report as that is against the law!

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