Consumer complaint received 2025-07-06 00:00:00
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.
State: LA

Complaint narrative:
ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. 

XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all XXXX Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. EXIST. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB )

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