Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
XXXX has and still is falsely reporting to the CRA to conceal the illegal repossession multiple other guidelines, regulations, and laws that have been violated along the way. XXXX has now completely deleted an account, XXXX, and replaced it with another account, XXXX, which appears to be similar but is incomplete and inaccurate in terms of reporting under the FCRA. This XXXX account has completely omitted the first XXXX months, XX/XX/XXXX through XX/XX/XXXX from the credit account. I has eliminated all of the payment and balance history which would easily prove that I was not in default at time of repossession. They have also deleted the XXXX investigation into the repossession which revealed that I was not in default. A investigation that took me almost XXXX years to get a CRA to complete. Just gone. Under the original account after the investigation the account status for XX/XX/XXXX which went from " repo '' to " current '' and the XXXX status of XXXX that went from " charge-off '' to " ND '' has also been deleted. The XXXX on time payments that I had made, that make up 35 % of my XXXX XXXX, are now deleted as well which is an additional injury to the wound. The first journal entry on the fraudulent XXXX account XXXX XX/XX/XXXX which is reported as a " charge-off '' with no late payments ever reported. But just this month, more then XXXX years after these accounts closed, XXXX has added " past due '' to the status update. This status update has now triggered " missing payments '' to appear under harmful on my credit report, missing payments for which they have to months to align with. And with a second charge off now being reported and no payment or balance history, it gives the appearance of this loan was reinstated and then i defaulted a second time!! I am currently living in a motel due to the fact no one will rent to me with such a nightmare for a credit report. I still have not been able to obtain another vehicle other XXXX stole my vehicle through illegal repo and the {$8400.00} I had paid into that vehicle in the XXXX months I had it. {$8400.00} was 17 % of my gross income. Each credit report is being reported with a different variation the account name and different balance historys. So anyone that pulls my credit it appears I have several accounts that are past-due and charged off, charged off and past due just within the last month or two. Which explains why my XXXX score took a XXXX point drop with no changes reported, XXXX is just re-aging a fraudulent derogatory account and does not care how harmful it is or can be to someone else. 

XXXX needs to delete this ASAP and if I seen any incorrect mark on my credit report or I have a hard time removing false information, to my credit report which in the long run causes me harm I will be obtaining a XXXX XXXX to insure XXXX can never touch my personal information and harm, harass, or cause me undue stress ever again!! This is will be in addition to the XXXX police reports and the identity theft report I already have.

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