Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm not receiving any help whatsoever from the credit bureaus, the creditors and or the XXXX in regards to my credit disputes. I have already consulted with a lawyer on this and I have grounds to take the bureaus and creditors to court for willful negligence. This information is still on my credit report and there has been NO investigation whatsoever. 

I require all documentation in my files that the bureaus are required to have PRIOR to even reporting this information on my credit report. I also require that this information is removed from my credit report, as the bureaus do NOT have firsthand knowledge of its inaccuracy, which is the only legal form of verification, pursuant to section XXXX. I also did NOT give my authorization for this information to report on my credit pursuant to section XXXX. 

Here are my disputes for Experian : ( all of these have been removed from XXXX and XXXX ( except for XXXX ), so where are they getting their information from? 
XXXX XXXX I was never late on this account. I spoke with XXXX on XXXX/XXXX/XXXX who informed me that I was late for the month of XXXX XXXX. I asked him why he was calling me now and he could not give me an answer. He said that because I was late in XXXX it is showing late in XXXX XXXX. I paid {$1000.00} on XXXX/XXXX/XXXX to pay for supposedly XXXX and the XXXX month which I was still not late. XXXX said the only thing that I can do at this point is dispute it with the bureaus. After my first dispute letter I received a response stating that no, I was not late in XXXX, and that I was late in XXXX and would be late for XXXX as well. I have proof on my statement here from the bank that I was NOT late for XXXX, XXXX, XXXX or XXXX. Not only that, but I 'm receiving threatening and absurd calls from a man that harasses me every single day, at least 4+ times and emotionally destresses me. No one will go over my account with me or tell me why I have to pay more than {$560.00} every month. 

XXXX XXXX I notified you that this account is unknown and when I called this company, they had nothing attached to my name and could provide no information and ignored my letter, so I require the following : All docs that you have in my file that you used to verify this information The name and position of the person who verified this information The date and method that was used to verify this information The procedures used to verify this account in detail XXXX XXXX I was never late on this account and what does NOT make any sense is the Experian is reporting 60 days late, XXXX is reporting it as 90 days late and XXXX reporting it as 30 days late! NONE of you are correct! 

XXXX XXXX XXXX I already notified you that I was never late on this account and you actually reinserted this late payment after it was removed from my report in XXXX and you did not notify me of this reinsertion as required by law under section XXXX which means that you must now remove it! 

XXXX XXXX Please send me the proof that I was late by 30 days or remove this immediately. In consideration of the fact that it is literally impossible for you to obtain proof, you need to remove it! 

State of XXXX XXXX what part of " this was paid in XXXX '' did you not understand?? I need to see the proof that this account was not paid. 

XXXX XXXX I was never 30 days late and what does n't make sense to me is that all XXXX bureaus have different months stated that I was late! Fix this or remove this immediately

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