Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: FL
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:
This is in a way of follow-up to my last complaint and also a new complaint as well ExperiAN is claiming that they're looking into the account that they have themselves removed as inaccurate - no less than four times from my credit report. 

Only to put it back on - and when I call say that is a problem and they already agreed I WAS NEVER RESPONSIBLE - they just do whatever credit reporters tell them. 

It's been investigated remove 4 times and put back on three times. This oncw as a solid American company and has become some criminal enterprise just involved in collections frauds. 

And that does it even begin to go into the fact that my identity was stolen - I reported it to the FTC, IRS, Treasury and I asked for a freeze - which disappeared immeidtely. 

I've never been able to get a response. 

Experiana behavior is both illegal, and directly affect my ability to get decent rates on insurance, on a mortgage, or almost anything else. 

This idea these known false facts reappear andd they Nearly impossible to have them removed despite the fact that they remove them before any investigations are all complete, has the unmitigated gall to rearrange my accounts when they know because they removed them already. 

Worse - they list them as removed collections but still dock my score Although I proved to them it was a fraud, which by the way XXXX got out lucky because Despite the fact that everything that I said was found to be correct and they had lied which I have on tape and if they had charged me I had paid to get them off my back, then they charge me again, then promised after it was removed and I had paid they would send me the money back they never did. And guess what it showed up in my account again, under a different company. 

claiminmg it was medical information - so it says do not list when I asked you to list it. 

As they lied again and again told me that they confirmed the account which was impossible because my insurance covered everything they said they confirmed it in a series of more and more criminal lies they were incredibly rude. Again - I paid them to only to get them off my back. Only to have them lie to me and see if there's a second bill for the same amount which was impossible. 


The balances are ALL is incorrect its says i owe the full amount but was already h o with XXXX XXXXXXXX.half paid off. It claims I was 4 months delinquent while listing a 30 day delinquency as my longest missed payment status. 1 plus nothing is not = to 4. Nor is saying I was 50 % paid, the sayinng 25 % paid and now saying 0 % paid, Its a lie and an easily provable fraud. 

XXXX XXXX XXXX XXXX was paid in full 9 years ago a little passed 7 years I ; d say XXXX XXXX which by the way is not the company I do business with lists three accounts with balances - yet no late payments- and no last date of payments. Three incorrect accounts. 

XXXX XXXX is listed as closed for 5 years yet experian says every month I have new missed payment and lowers my rate of payment., The account is closed by them and they got a tax break and I get harrased by experian. 

Same wirth XXXX although that is settled. 

They just I don't care if they report incorrect information on every report and there's no way to get them to fix it trust me I've tried and there's more. 

XXXX Which I haven't had an account with in five years continues to say I miss payments which get added to my account which is simply not accurate. Will Experience do anything to fix it absolutely not. 
They also completely forget to list close dates on accounts implying that they're active or open or that I'm still missing payments when that's not the case. 

When I tell you there's a mistake on every account that they have it's not an understatement let me continue It was an XXXX account has been opened in XXXX when in fact I haven't had one since XXXX. 

There's a XXXX XXXX charge card which was close eight years ago which for some reason it's still on my account. Why are they not required to follow the rules? In fact they knowingly violate them and commit fraud all the time XXXX account which I close 10 days after I opened it because I didn't like the terms in XXXX is still listed it's 10 years later. 

Target again a car that I had for a month and then XXXX sent some charge without confirming it or giving me an opportunity to pay so I canceled it because I didn't want to do business with them that was 10 years ago which it says it was close 10 years ago experience once again makes their own rules and things to the fair credit reporting act does not apply to them. 

Unfortunately their actions have a profound negative impact on my financial security. it gets worse worse.. 

They listen account fromXXXX  that has been closed for over 12 ears. 

And include the information is changed where is before I had paid off {$16000.00} of a {$20000.00} balance which I was paying and accelerated rate until my house got hit by a tornado during a hurricane and I was in a terrible financial bind. It used to say that it was excused and explain the situation about the documents a tornado and hurricane. Now none of that's there and it just says delinquent in references none of the many deilgent payments made. And they Continue to increase the percentage that I owe how I don't know, other than they'reWorse than the XXXX. 

XXXX XXXX XXXX an 8 year old account. 

XXXX XXXX an account that I paid in full in XXXX nine years ago still on my account according to Experience because they don't have to follow the rules as I mentioned as somehow somebody gave him a pass to violate every aspect of the fair credit reporting act Another XXXX account with absolutely no info except it was close in XXXX which makes no sense. 

When we get to the most offensive, XXXX XXXX XXXX which is Florida XXXX XXXX emergency services for an unneeded ambulance that I didn't request and that certainly didn't happen in XXXX. I can show you that they have proven despite saying that was correct I have been able to provide paperwork and get it removed from Experian no less than four times, and within Days of having it removed it shows up under another name re-aged Yeah despite the fact that I've proven it to be a bill that is not attributable to me and I'm not responsible for it stays on my account as a close collection and ducks my score. 

Why I am penalized for fraud, that I didn't have anything to do with and they know full well because they've taken it off and it's in their records they just don't care, and they think that it's no big deal to adversely affect my financial well-being for years because there's no recourse. 

Then there's XXXX XXXX which claims that I open the account in XXXX which is patently untrue. As you can see from all of my accounts I had a problem with identity theft as I explained in XXXX which is when I had defaulted on my cards I have not applied for credit since then as a rebuild my score which is impossible when dealing with a criminal enterprise like Exprian. 

So in some every single item on my report is incorrect. Most of which they know is incorrect because it's been removed multiple times yet they just put back and change the information and refused to do things like in the case of my last complaint where they have in their records an on my credit report the same information which has been removed yet they put it back on and sSo in some every single item on my report is incorrect. Most of which they know is incorrect because it's been removed multiple times yet they just put back and change the information and refused to do things like in the case of my last complaint where they have in their records and on my credit report the same information which has been So in some every single item on my report is incorrect. Most of which they know is incorrect because it's been removed multiple times yet they just put back and change the information and refused to do things like in the case of my last complaint where they have in their records and on my credit report the same information which has been removed yet they put it back on and see if they have to investigate something that I've investigated seven times yet they put it back on and say the have to investigate something that theyve investigate and found me to be right again and again. 

Maybe if they clikced on the The next page on their computer they could simply see all the information I've seen it before which is all proven accurate investigated their files they be able to see it because they have no problem putting it on my credit report but apparently a problem reading it to see if they've already taken it off but they don't really take it off because they leave it on as a Close collection account when she's never been a collection in the first place the same with several medical bills which were all fraud on behalf of doctors who when they submitted at their own fault the wrong insurance information started billing me for things that they were supposed to get from my insurance Instead decided that because they can't figure out medical billing which is their specialty not mine that theyd just sell it fraudenlty to a credit zombie bloodsucker. 

XXXX I told you with XXXX XXXX and I have a tape because I recorded every phone call with them in the lies that they told her so unbelievable and so offensive because I knew them to be untrue and then they continue to lie worse they never sent me the money they owed me that I paid, and then it appeared again on my report and still appears as a close collection which lowers my score. 

How are you can let these people stay in business is beyond me my entire report is wrong I do everything I can to make it correct and I am financially affected by their inability to do what would seem to be the most basic office to task - Or God for bid follow the fair credit reporting act or dad XXXX or any of the other protections they are supposed to protect consumers from predators like Experience who let people extort you and then punish you for it.

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