Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted all documents to Experian showing satisfied accounts including sold off accounts to collection agencies from original creditors. There are original creditors reporting debt to my credit report after their companies have already sold or passed off the debt to a third party collection agency. You can see multiple accounts with same exact balances dollar for dollar and showing the debt collection agencies received payments and accounts were all settled and they removed and reported the information correctly versus original creditors after multiple calls, letters sent, and proof provided to their debts satisfied by their 3rd party collection agencies they have failed to still remove the incorrect reporting to my credit report. Also any account which is only my student loans, current bank accounts, and one credit card of {$300.00} limit have the correct current addresss. All my accounts were updated with correct addresses and those creditors reporting anything else but my current address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX are fraudulent reporting on their end by laws that protect me as the consumer therefore must immediately be removed and expunged from my credit report as has been done on other credit reporting bureaus minus yours EXPERIAN, who is not reporting or completing investigations accurately and not filling policies that protect the consumer. Rather now for months of continuous disputing on my end you have still failed to correct my report with actual Factual evidence and submitted documents and documented and recorded calls to your bureau ( which are not based in a USA call center, creating additional barriers for myself the USA Consumer to rectify any and all information and reporting pertaining to my credit report, not only holding companies at fault but your company as well for violations of consumer act, and protections for myself and credit under California and United States of America Consumer Reporting Laws and also violation of not providing all receipt of my transactions and correspondence with your company and not short of witnessing your own employees pretend they are unable to hear me on the telephone line as we are in mid conversation in attempt to resolve the matter. But me observe hearing laughing and employee stating exactly what they are doing thinking they are muted and I can not hear them making phone of me calling to fix errors on you and companies end. And me Confronting the agent letting them Know I heard them and they can hear me to be hung up on after they were aware they got caught lying. This is not the first time your company has done this and as I know its one of your go to scripted responses. Therefore if not corrected all companies including Experian will be in litigation once complaint is officially filed in public court taken actions against all who have seriously violated my rights for over a year now.

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