Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ND)

I am so XXXX sick of this SCAM Experian is playing with my credit. They have me listed as XXXX delinquent accounts in the past 2 years which is a LIE!!!!!!! They have reported account " XXXX '' as CHARGED OFF in XXXX XXXX and account " XXXX '' as CHARGED OFF in XXXX XXXX. This is all incorrect, a lie, wrong, not true, false! I have spoke to these people personally and they have verified these accounts have been paid in full. XXXX was charged off in XXXX and XXXX took it over and has since been paid off completely. Neither of these companies are recent charge off or have balances owing. My score is being affected, my credit report is being affected and EXPERIAN is not giving a XXXX and yes I am mad because I am sick of going thru this only to have some outsourced XXXX world operator who can not understand me or me understand her just lying to me and not correcting this. XXXX said they sent information to Experian again after another phone conversation I had 3 days ago to inform them of this but they are making it look like it just got charged off this month and my score dropped and is affecting me unfairly and illegally as I am trying to buy a home and can not as long as this incorrect information is reflecting. Please some body correct this and quickly. I do not have XXXX delinquent accounts in the past. I only have XXXX medical bills that are paid in full and are over 2 years old despite a collection company reporting them within the past 2 years even though I was never informed legally that it went to collections but they showed up on my report and I paid them. XXXX and XXXX accounts are from XXXX and the exact same debt both charged off about 1 year later but have been paid in full since. I want them to correct this immediately and reissue current correct reports to XXXX XXXX XXXX and XXXX XXXX because incorrect, bogus, lying false reports were issued that I believe resulted in my denial of credit cards. I hope to god someone can correct this and immediately. It only takes a phone call or fax but Experian has not done so nor will they even speak to me to provide any kind of proof or resolution of the matter, instead they just send me another updated report that is wrong. Who can I contact to enforce the regulation of this mess??? I feel like I am getting no where and the consumer is a victim with no recourse unless I hire a lawyer to sue which will be an option for me. I pay Experian monthly for a credit monitoring service and I am getting XXXX because I am not receiving an honest accurate product and have not for quite some time as a result of this. Those charge off status 's need to come off. The delinquency count for the past 2 years should be no more than XXXX. Is the CFPB just a XXXX party email transferer or do you all actually do something to hold these people accountable, curious because I need this fixed and do not have time to keep playing this game with Experian, where I waste time and effort begging someone to quit XXXX me over. There is an obvious problem here if this is going uncorrected. XXXX fixed it so why cant Experian? Worst ever consumer credit reporting company to deal with. I HAVE NO CHARGE OFFS IN THE PAST 2 YEARS. Every account I have contracted or opened in the past 2 years has always been paid in full without fail! I am disgusted at this whole mess. Corporate XXXX and games is all I am getting while my credit worthiness is being robbed and misrepresented.