Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

I am submitting XXXX legal court documents on my behalf and I am expressing deep concern that they be looked over clearly and you may even call the court using the number on the document to verify this information. the first document I am submitting is a civil document made on XXXX/XXXX/XXXX. It clearly states I have entered " XXXX separate '' agreements NOW look at the terms " 20 month, 21 month, 18 months and so fourth. XXXX is reporting to Experian XXXX negative accounts -- -ALL the accounts were entered into this complaint but they are rsporting XXXX negative. They even put the payments to which they do n't even report to Experian. The second document is a " settlement withdraw '' Arrons withdrew the complaint against me. XXXX document civil complaint dated XXXX/XXXX/XXXX it states I made SEVERAL aggrements and NOW I wo n't make ANY payments. IF you read these documrnts they contradtic the claim you make that these accounts were verified. XXXX reports that I continued to pay on XXXX accounts for 18-20 months. The XXXX court document is a DISMISSAL in MY favor because A. I replied by disputing the validity of these accounts B the judge remembered the case being " settled by XXXX '' C NO one from XXXX showed up to dispute my request to a hearing. AND no one from XXXX took the 30 day opportunity to appeal. IF you look at the dates in which XXXX clsims I paid on only XXXX accounts for 18-20 months it brings you well past the dates of court, so they are claiming with this in the court system I only contined to pay on two even after the court dates and did n't bother with the other XXXX? XXXX had come to my home unaccounced while only my wife was home and took merchandise on several occasions. I dispute the validity of these accounts. I did NOT enter XXXX all on one day and open XXXX worth of accounts. This is innacurate reporting. The terms are innacurate, the dates and the denominations. XXXX is reporting different information to all XXXX agencies. To XXXX I owe XXXX over XXXX with XXXX negative accounts and XXXX positive. Why XXXX? They were part of the complaint as well. They are rsporting to XXXX XXXX account for only XXXX, and XXXX says they verfied it too? How can only XXXX be verified with XXXX and XXXX with Experian? I feel these credit agencies are protecting XXXX and neglecting to see the facts they are documenting. Look at what you are reporting and look at the legal documents and even call and verify with the courts. I wish to know HOW information is verified and I wish to obtain verification because as you can plainly see, what XXXX is reporting to you and verifying to you is much different than what they submitted to a court of law. The discrepancies are the dates, the amounts owed ( on all accounts and what 's being reported to each credit agency ) the term agreements and if you look at the XXXX civil complaint it says " last payment made was on XXXX/XXXX/XXXX which is SIX months after I opened the accounts according to them but they reported to you I paid for 18-20 months. Do the math. They are not reporting truthfully because managenent do n't want to get in trouble with the main office for not appearing in court or appealing the dismissal.