Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has been investigating fraudulent accounts since XXXX. on the XXXX of XXXX, I received correspondence from the CFPB that the accounts had been deleted. I checked my report today and XXXX of the company 's changed a few things around and they now reappear on my report. According to the FCRA XXXX an item is deleted, it stays deleted. Experian is playing some serious games and not following the statues. It seems as though they want to be found grossly negligent. I have copy and pasted their response of XXXX XXXX, 2016. 



Experian - A World of Insight Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX XXXX Report date : XXXX XXXX, 2016 Summary of Results Details of Dispute Results Important Message from Experian Know your rights View a complete copy of your corrected report Go Back We have completed the processing of your dispute ( s ). Here are the results. If you still question an item then you may want to contact the furnisher of the information directly or review the original information in the public record. 

Contact us Back to top Need to view your report again or dispute information? Access your report online at www.experian.comXXXX. 
You may also contact us by mail at : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Or, by phone at : XXXX XXXX XXXX XXXX Monday through Friday, XXXX XXXX to XXXX XXXX in your time zone. 

You may also submit additional relevant information or supporting documentation for your disputes electronically at experian.com/upload.This link opens a new browser window Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing. 


Results Back to top How to read your results Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute. 
Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. 
Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items XXXX Account Number : XXXX .... Outcome : Deleted XXXX XXXX Account XXXX : XXXX .... Outcome : Deleted Details Of Dispute Results Back to top Your Personal Statement ( s ) Back to top ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

FILE FROZEN DUE TO STATE LEGISLATION. 



Important Message From Experian Back to top The items that you requested to be blocked as a result of identity theft have been blocked from your personal credit report. The credit grantor that supplied the information also has been notified. 



By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display in your report, but in reports to others they display only as MEDICAL PAYMENT DATA. Consumer statements included on your report at your request that contain medical information are disclosed to others. 

Know your rights Back to top FCRA Rights Did they suddenly forget the statues or is there a reason they really want this item on my once perfect credit report? 

XXXX 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