Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: NC
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:
I have filed several disputes with XXXX, Experian, and XXXX with regards to inaccurate data being reported to these three bureaus by XXXX. 

The inaccurate report in this complaint is the account is the responsibility entry : XXXX has arbitrarily assigned the status as a JOINT ACCOUNT on two bureaus and INDIVIDUAL with the third credit bureau. 

See attached documents to show proof that this irreversible action by XXXX less than removing their account completely from my credit file with all bureaus IMMEDIATELY they will be breaking the law every minute of each day until their entry on my credit file with all bureaus for the follow reasons. 

1. Fact. The responsibility status reported by XXXX in my credit filed are contradictory. 

2 Fact. XXXX is arbitrarily assigning this status because they do know the correct entry, because, 3. Fact. XXXX does not have access to any application of credit that I signed bearing my name ; nor any contract or agreement explicitly showing where I applied for XXXX, and 4. Fact. I contacted XXXX and everytime I called on different dates and times, XXXX staff would give me a different and inaccurate each time, and 5. Fact. They continue to give me inaccurate data along with and to the credit bureaus because they do not have a that record in their possession because it does not exist. And 6. Fact XXXX informed me each time that they do not have that information in document form whatsoever and, 7. XXXX continues to post credit information bearing my name and historical data, damaging me and my credit each and every day and have been for years. And, 8. To date, XXXX has not followed federal law with regards to following federal Rule : 9. Each entry by a creditor into the credit bureaus must report accurate, valid, and verifiable data and all levels of the reporting. And 10. Knowingly reporting inaccurate data, arbitrarily, and does not make effort to remove that data that is not accurate, verifiable, and not valid is a criminal act and can be held liable for damages, and 11. XXXX has known for months through several disputes and continues to break federal law. And, 12. The entire credit file must be removed immediately if any part, entry, or and any reports to the credit bureaus are not just that as stated above. And 13. XXXX is in direct violation of Federal law at this submission of complaint. And, 14. At this point, any original application, agreement, contract or otherwise completed and or signed by me whatsoever after the time that has elapsed and their failure to this far, would only be fabricated media and would be challenged in court for liable restitution. And, 15. If XXXX does not remove their entry completely from report immediately after this specific complaint with evidence, I will report this breach to The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), two federal agencies charged with overseeing and enforcing the provisions of the act in efforts to have DiscoverCard penalized in any way possible for dereliction of their duties in credit reporting. 

16. See attachments for contradictions in their reporting specific to this complaint.. 

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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