Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Attached, please see I have tried several times, XXXX ( XXXX ) to Experian credit reporting agency only, to please remove a creditor, XXXX  bank that they continue to report twice on my Experian credit report, both with potentially negative next to both. This Creditor, XXXX bank was an original personal loan for {$9000.00} then due to XXXX XXXX medical complications and being seriously injured XXXX XXXX XXXX XXXX XXXX. I fell behind in monthly payments. I stayed in contact with XXXX bank, promising to work out a payment plan as soon as I could. This contact was by phone about every month. Finally after getting out of the hospital, regaining my balance and finding a new job, I contacted XXXX bank personally by phone in XXXX of XXXX. I spoke with the supervisor in the collections department and worked out a payment to settle this account for less then the balance owed. I paid that agreement amount via my banking information, given to XXXX bank. The amount of agreement was deducted and payed off this account. I received a fax from XXXX bank of settlement, paid as agreed and closed. This information was provided to all three credit reporting agencies and appears as updated as of XX/XX/XXXX with account # beginning with XXXX. Also, appearing on my Experian credit report is another XXXX bank account, with a different account # which is XXXX with identical account information because it is the same XXXX  bank account creditor, but this account reads, Transferred, closed, {$7300.00} writing off with updated as of XX/XX/XXXX. Thats it. This information causes an illusion of appearing that another account/ creditor XXXX is showing a possible XXXX separate account with same account information as the original but with deceptive information as to account closed due to transfer, closed and written off. This information is false, inaccurate and misleading information as it relates to only one XXXX account with # XXXX that was settled in XX/XX/XXXX in that settlement, then reported as paid for less then owed, settled, closed. This information is being correctly reported by XXXX and XXXX but not Experian, who has continuously denied, refused and ignored my three disputed claims on three separate occasions to correct and remove this second XXXX  account information with last updated information being stated by Experian as of XX/XX/XXXX and its information as to transferred, closed with a balance of {$7300.00} written off. Not removing this old, outdated, misleading and inaccurate information from my Experian credit report has continued to show as seen in pics Im providing, causing confusion and the illusion of two potentially negative accounts with identical information but one with different account information and different account # with last update of XX/XX/XXXX but only the XXXX account with identical information with correct account information as paid, settled for less then owed and updated information of XX/XX/XXXX should only be provided, showing on my Experian credit report. The other inaccurate XXXX account with last updated information of XX/XX/XXXX should be removed immediately. This is the XXXX time Ive attempted to file a complaint against Experian to comply and remove false, inaccurate and misleading information as to this XXXX  outdated information and related inaccurate information be removed. Im asking for your help again with more additional details and information to force Experian to remove this information immediately. This really comes down to incompetent and ignorant individuals within Experian to just use common sense but refuse to ignore that facts as I, the consumer suffers from negative information that affects my fico score and applying for credit, future credit card companies will see this information as two separate accounts with negative information and not one with showing the only one XXXX  account was actually paid, closed and settled. Thank you in advance for any assistance you my provide me in Experians ignorance to provide and report accurate data and account information on consumers Experian credit report. Experian investigation practices are horrible and borderline abuse. FYI I share this email with my mother. It should be known that an excuse from Experian as to can not identify me because of the shared email should not be accepted by Experian. Sincerely, XXXX XXXX XXXX