Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As you can see with the attached XXXX previous complaints against Experian and is senior regulatory affairs XXXX, XXXX XXXX have continued to ignore, delay and continues to report false information as to XXXX XXXX XXXX  information on my experian credit report only. Both XXXX and experian report correctly by experian continues to report outdated, incorrect, false and misleading information to this creditor, XXXX XXXX. As stated in past XXXX complaints without experian fixing this issue, XXXX XXXX originally with an account ending in XXXX fell in delinquencies in XXXX. After several attempts to work with XXXX XXXX  to work out some kind of replacement for the delinquent account due directly to complications with COVID XXXX and economic crisis, XXXX XXXX placed this account in XXXX XXXX recovery and collections department, placing a different account # to this same account. Eventually, the account was transferred to another areas within XXXX XXXX colllections department with another account #. It should be known, the original account and other XXXX account are all the same account with identical account information as to payment and account information. Eventually, in XX/XX/XXXX I contacted XXXX XXXX collections department and was able to satisfy this original account in a payment agreement, settling this original account for less then what was owed. After paying this negotiated payment, this XXXX account was closed, satisfied, paid as agreed and settled for less then owed. Experian continues to report XXXX ( XXXX ) XXXX credit accounts with different account # XXXX as though or appear to be seen as XXXX separate accounts with XXXX XXXX. XXXX account with XXXX XXXX reads updated as of XX/XX/XXXX as being transferred, charged off. The other XXXX account, which reads updated as of XX/XX/XXXX shows this account was paid, closed and settled for less then owed. This is the only XXXX creditor information that show be seen and the other with updated information as of XX/XX/XXXX should be removed, updated and not shown. This false and misleading information Experian continues to report with possible negative information on both XXXX credit reporting is inaccurate. Only the XXXX XXXX  with updated information as of XX/XX/XXXX should be showing on my Experian credit report and nothing else. This complaint is the XXXX complaint with Experian not responding and is deliberately delaying the process of correction of my experian account. Im filing this complaint for the XXXX time with Experian not responding even after 30 days of a re investigaton of this same, ongoing issue. This is a disgrace, unethical practices of experian and its senior regulator affairs associated, XXXX XXXX who is directly responsible for consumers credit reporting accurately being correct. This is a violation of the consumer oversight and government regulatory affairs committee by experian credit reporting agency. At this time, and due to several now filed complaints against experian for this same issue with no action and response in a timely manner, Im asking for your agency to hold experian and its senior regulatory affairs associate be held accountable weather in a fine or sanctions be issued. This is outrageous conduct and extremely unethical behavior of a credit reporting agency.

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