Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: RE : XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! 
I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. I have cards with credit limits over {$15000.00} and most of my credit usage in 2between o % - 25 %. Therefore, why would I have any use for this XXXX card. Allow me to reiterate that : I HAVE NOT USED THIS CARD IN YEARS! 
*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 
*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION XXXX RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

1. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX card that my account is overdrawn, late and closed. Which also is now representative on my credit reports driving my credit score down over ( seventy ) 70 points. 
2. Looking back at my previous credit reports from XX/XX/XXXX through XX/XX/XXXX my credit reports show a XXXX ( XXXX ) balance for this XXXX credit card with no activity for those months. This account was always in good standing. 
3. As of XX/XX/XXXX, my credit reports also show a XXXX ( XXXX ) balance for this XXXX credit card 4. However, somehow there is a balance reporting of {$1700.00}, this is all FRAUD. Any transactions placed on this card in anyway in the months of XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX are all fraud. 
5. I do not have a valid XXXX Credit card, the only one I have recently expired. 
6. If it helps with the investigation I have been out of town ( Florida ) from XX/XX/XXXX to XX/XX/XXXX. ( XX/XX/XXXX-XX/XX/XXXX ) and have my used airfare tickets to prove this. 
7. I am requesting the information XXXX recently furnished for XX/XX/XXXX, to the credit bureaus be temporarily removed or block until a proper investigation has been completed. There is no harm to either party by doing this. 
8. Alternately, if the information XXXX XXXX is reporting is not at least temporarily removed or blocked it is guaranteed that harm will come to all parties in the event the investigation can not support the charges that transactions on my XXXX credit card were authorized by me or I in anyway profited from them. 

- I will be harmed by my mortgage being denied - XXXX will be harmed by being reckless and willfully reporting and refusing to remove information they had including an affidavit claiming fraud and could potentially be inaccurate. Alternately forcing me to file a civil lawsuit. 
- The credit bureaus will be harmed for refusing to conduct a proper investigation and allowing information to remain on my credit report which they had reasonable information could be inaccurate. 

*Damages will be massive and irreversible if either the furnisher or the credit bureaus do not take the reasonable and safe route. 

Please understand my credibility far exceeds that of the credit bureaus and XXXX, where each company ( Experian, XXXX, XXXX and XXXX ) have thousands of complaints and lawsuits they each have lost due to wrongdoing. I am not trying to belittle any party, I am simply stating irrefutable facts. 
Experian, XXXX, XXXX and XXXX all have documented and factual history going back decades of wrongdoing and questions of credibility. Whereas I DO NOT! 
Let me say this in another way ; I am not just any ordinary individual filing this complaint. I have no history of wrongdoing, no history of lawsuits filed against me, which I have lost or settled out of court. I own a very successful business, am well known in my community and well respected. Therefore, I have earned the benefit that my credibility and word has more meaning and authority. 
- I am not threatening legal action, but guaranteeing legal action if I am in anyway harmed by inaccurate information on my credit report. 

*URGENT NOTE : I have been pre approved for a mortgage loan near {$600000.00} but my credit report will be pulled again in the next few weeks prior to closing if this account is inaccurately reporting as it currently is, I will be denied of the terms which i have been pre-approved for causing irreversible damages I am providing all my information to avoid any delays and an affidavit of fraud, which should allow the credit bureaus to expedite action prior to an investigation being properly completed REGARDS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

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