Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been reporting the same problem to you all for some time now regarding my issues and problems with XXXX, Experian, and XXXX credit reporting agencies and so far nothing has been done about it as of yet. 

I have inaccurate information reporting on all of my credit reports that pertain to the following : XXXX. XXXX : is reporting twice on Experian with two different amounts even though this is not my account and never was. I have filed several disputes and asked that the information be deleted/removed and it has not as of yet even though I have been disputing this matter for a very long time. 

XXXX. XXXX : did not abide by the XXXX rules about this account and the amount is also incorrect. XXXX is currently in the midst of a lawsuit over this same issue and problem that pertains to XXXX people. They report the account as a charge-off and a collection so it impacts your credit reports multiple times along with your score and you never receive the points back that you lost to begin with. 

XXXX. XXXX : had an account with them that was paid in full via an insurance settlement and they still refuse to delete/remove the account from all three of my credit reports even though they received all of the money. Reporting as a collection and a charge-off on all three of my credit reports. Also is reporting me as late this account was never late and has been paid in full as of XX/XX/23. 

XXXX. XXXX  XXXX : The account was paid in full and settled by me with the company it is still adversely impacting all three of my credit reports and scores. I have asked that the account be updated and I have documentation to support this being the case. I have asked that the account be deleted/removed. Also is reporting me as late and a collection this account was never late and has been paid in full as of XX/XX/23. 

XXXX. XXXX XXXX XXXX  : is reporting me as late and as a collection and charge-off even though I paid this account in full by XX/XX/23 and I have the documentation to support this being the case. 

I also have several hard inquiries listed on all of my credit reports that I never had anything to do with either and this has not been deleted or removed either. 

I also see that dates have changed over and over again as it pertains to the date the item was listed on my account to when the items should fall off completely. These dates have changed significantly to keep the items listed on all three of my credit reports longer than they need to be in an attempt to keep my scores lower than they should be. 

The credit bureaus are doing this purposely as it pertains to me and people of color so that we do not qualify for credit like our white counterparts. 

Again I have been complaining about these issues to you all for years and nothing has been done about it. This is fraud and it is also illegal to do. 

I am now going to be moving forward with a federal lawsuit against everyone involved in this matter until I am made whole and my credit reports have been updated properly. 

This is unacceptable, egregious, and not conducive to how you handle business at all. What is the point of filing complaints if nothing is going to be done or investigated?

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