Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: IL
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:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX Complaint : Inaccurate Credit Reporting/ Pulled 3 Hard Inquires UNAUTHORIZED Attachments- Documents that will be attached consist of the XXXX  showing it how it should be, actual Experian report that showed how it was reporting as of XXXX, XXXX, and the online Experian app images of how it is reporting differently with the lates in red now, and I have attached the BK Chapter XXXX filing from court doc Im writing this complaint because Im dealing with XXXX, XXXX XXXX XXXX , and I want to say off the bat that they are the worst predatory lender and collector in the entire nation. My attorney, who is also a part of other lawsuits with XXXX, is also trying to handle this but told me to write you guys as well. First off, and I could not hit two different items when CFPB asked what the nature of the problem is ..and I hit credit reporting ), XXXX XXXX  located in California, also fraudulently did THREE UNAUTHORIZED HARD CREDIT PULLS on my credit from XXXX. These were literally immediately deleted from Experian because XXXX was afraid and did not argue this, because I have literally had zero contact with them since XXXX. I filed a BK Chapter XXXX in XXXX, and this car that I have with them was DISCHARGED in  the BK ( bankruptcy ). This account is actually showing as closed/ discharged chapter XXXX BK on XXXX  and is actually deleted on XXXX because I disputed that reporting as well. What is happening now is that XXXX has actually CHANGED the reporting totally to now all lates since that time and not showing that it is closed/ BK Chap. XXXX ) like it should be, and for that I am trying to get this deleted for falsely reporting this. They will tell you something different like they keep lying to the Experian people, but all you need to do is see my BK paperwork and you will see that I had a BK from XXXX, and this car is supposed to be on it like it is through the courts. I encourage you to research this company, and you will see the thousands of lawsuits that they have pending, and the many others that they have already lost for so many unethical practices. The whole entire state of Wisconsin filed a class-action lawsuit against them, and my attorney said that her office has numerous cases as well with them for the same thing. The bottom line is that this account should be totally deleted because of inaccurate reporting. They fraudulently pulled three hard credit pulls unauthorized as I stated before, and that is just more information that shows you how unethical they are and that they literally will do anything to hound and agitate previous customers. They are just trying to ruin my credit that I have worked so hard to keep good and clean. I am please asking somebody with your agency to do the research and look into all the wrong doings they have committed. They will lie to you, so you contacting them to get information from them will just be that of lies and distorted information. I have all the proof you will need, and Im going to attach the court doc showing my BK that was officially closed XXXX, XXXX, but the FILING OF THE BK CHAP. XXXX was actually done in XX/XX/XXXX. Please, I am begging somebody to look into them and you will see all the horrible things they have done and continue to get away with. It would not surprise me if you have not heard of them. Im really needing this off my report, because the lates that are beyond wrong and inaccurate, are reporting as of now and current, and I have had zero contact with them for at least 5-6 years. Im asking you to please have them provide proof that I have, and ask them when I authorized the hard credit pulls. They wont have anything because I have had zero contact with them. The part that makes me most upset is they took this account and took it out of BK Chap XXXX / closed and changed it to the charge off/ LATES just because I was trying to delete this information. I didnt even dispute the BK, I was disputing it so it could just fall off because of the fact that its nearly been 7 years, and they update file saying that its totally different than what it was previously reporting and it crushed my credit score and looks so bad. I have kids and Im trying to get a new place and car, and I just want them to do what is right and just. This obviously, is too difficult for them and they are not at all known for doing the right thing. Im not talking morally speaking, either. They just do what they want to do and disregard all laws and rules. Im really asking that this be taken seriously so I can move forward in my life and XXXX stay out of my life like they have been, there is no need for them to be doing this to me.

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