Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom this may concern, I have been in a state of disgust for quite some time now due to a Creditor ( XXXX XXXX/XXXX XXXX  ) and the credit Bureau Experian. To begin the Creditor XXXX XXXX/XXXX XXXX  is a fraudulent and despicable company that continues to report fraudulent and incorrect information to the Experian Credit Bureau. Secondly Experian should be ASHAMED of themselves for allowing and not standing firm in regards to following the FCRA rules and regulations in regards to consumers. I just pulled my Experian credit file and have seen yet again the same discrepancy as before. The creditor XXXX  XXXX/XXXX XXXX  is still reporting falsely and inaccurately on my Experian Credit Report and both the Creditor and Experian is to blame. The account number shows as # XXXX on my Experian file with a " Paid, Closed '' Status and a report of 7 ... SEVEN charge offs! This is unbelievable, wrong, fraudulent and it needs to be updated and REMOVED from my Experian Credit File immediately ( meaning within the next 30 days upon the FCRA ). This account shows " closed '' in XX/XX/XXXX and was updated on XX/XX/XXXX of XXXX with somehow late payments on a CLOSED account from XXXX showing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last but not least XXXX of XXXX. 

All of the above information is OBVIOUSLY incorrect, misleading and again Fraudulent. Please be aware that I am exercising my consumer rights under the FCRA that any and all information that is reporting inaccurately, incomplete and unverifiable information must be removed from my credit file. Please make note that the Creditor and Experian are reporting inaccurate information ( The account was Closed in XXXX and there is no possible lawful way that an account can be closed but yet still reporting late payment 4 years after as if the account is open ). The Creditor and Experian are also reporting and allowing to be reported incomplete and unverifiable information due to the fact that the Creditor in which and whom I've already asked to verify this account as mine by sending me something with my physical signature on or agreement signed. The Creditor XXXX XXXX XXXX was not able to do so because the account is not Valid. They stated they can only send the application they see which again is not a verifiable document. 

Also under the FCRA All incorrect information must be removed from the credit file. The acts of XXXX XXXX is unlawful and quite tacky and Experian is allowing them to report this inaccurate information. I have disputed and asked Experian to ask the company for actual verifiable information in prior disputes in which they failed to do so as well as failing to follow the FCRA guidelines and regulations by actual researching and putting the pieces of the puzzle together themselves and removing this creditor from my report. Please also be aware that I have documented ALL disputes as well as have pictures of the reporting 's on my credit file, and if I need to start a lawsuit for the false reporting I will do so. I truly hope and expect for the creditor to be removed from my credit report in the next 30 days. 

Thank you for your time. 
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 explanation