Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
This New complaint is related to a recent complaint of XXXX XXXX case # XXXX on XX/XX/XXXX with response not accepted on XX/XX/XXXX. Due directly to this ridiculous response by XXXX XXXX as to its reporting to my credit reporting agency, another complaint was just recently filed with additional information against XXXX XXXX  and possible fraud. That complaint is pending, case # XXXX filed on XX/XX/XXXX. Although Im awaiting a response to this as I suspect possible fraudulent reporting by XXXX XXXX, Im submitting this complaint with further, for detailed information as a dispute with experian credit just came back as verified with two XXXX  accounts, both with identical account information but have different account numbers which either have the original account ending in XXXX. This update from experian as to these two accounts appearing on my experian credit report with identical information but each have slightly different account update information is false and fraudulent information. Neither of these two accounts are mine and I never had an account with either account number that appears on my credit report by XXXX XXXX. I have never signed or obtained any paperwork or signed any contract with any of these account numbers appearing on it I only had one personal loan with XXXX XXXX. That account had an ending account # of XXXX. This account went into default in XX/XX/XXXX due directly to XXXXXXXX XXXX XXXX XXXX I was suffering  from and my job, XXXX XXXX went bankrupt. I stayed in contact with XXXX XXXX collections in XXXX as to working out a pay back plan. In XXXX of XXXX after regaining my XXXX  and working three jobs, I called XXXX XXXX  collections department and was able to work out a settlement with a male representative. These agreement was I paid {$3200.00} of about {$7200.00} I owed on this loan. In doing this settlement, it was further agreed that all negative reporting would stop to the credit agencies and this account would be reported as close, paid in full, paid in settlement for less then owed, settled. As you can see in attached, experian still continues to report two XXXX  accounts with different account # XXXX but the update information is different. One account starting in # XXXX reads paid off, paid in settlement, {$7300.00} written off, updated XX/XX/XXXX. The other XXXX  account, starting with # XXXX reads paid, closed, Transferred/closed {$7300.00} written off with a status update as of XX/XX/XXXX. Neither of these accounts Ever Belonged to me nor have I ever had or signed paperwork with these accounts on it. Again, I only had one account, a personal loan for {$9000.00} then after a year, XXXX  was directly related to this account going into default. I tried several times in faxed paperwork for refinancing this account, asking for a deferred payment assistance or just making payments without interest to help assist me with this loan from XXXX XXXX XXXX XXXX  refused and denied me any customer assistance even after informing them of the reason was XXXX XXXX XXXX  which I had hospital records as proof. I HAD NO IDEA OR KNOWLEDGE this account was charged off/ written off. When I called XXXX XXXX  in XX/XX/XXXX to ask about settlement my debt, this agreement of payment of {$3200.00} was accepted with XXXX XXXX  would stop reporting negative reports to the credit agencies and just report the account was settled for less then owed, and was closed. In recent complaint, the response back from XXXX XXXX in there letter dated XX/XX/XXXX ( see attached ) XXXX XXXX  tries to explain its reporting reasoning as to the account servicing reasons. Thats outrageous and false information. There is nowhere on my credit report that shows the original account # or its relation to the original account being closed, paid and settled for less then owed. What Im understanding is XXXX XXXX XXXX closed its collections efforts and written the account off as to insurance or IRS reasons but then accepted my offer when I called to settle this account with {$3200.00} payment from me. So XXXX  collected the benefits of writing off a loss as to the original account, but then collected again of a settlement of {$3200.00} more?!!! Makes no sense whatsoever. Then for XXXX  XXXX to report twice on my credit report and respond back that due to transfer reasons seen in there letter, this XXXX  account will report twice is absolutely outrageous and unacceptable. Nowhere is the original account information. XXXX XXXX  is incorrectly, wrongfully, falsely reporting information that is misleading to anyone. The original account information should be the only account information being shared on the three credit reporting agencies not two fictitious accounts. Im filing this complaint with this additional information as I believe XXXX XXXX is being deceptive and is falsely reporting information not correct or showing the original account number and information.

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