Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
Dea CFPB : It has come to my attention, yet again, that after confirming that my credit report files through Equifax, Experian and Transunion keep reporting outdated, re-aged, re-balanced and re-calculating my credit score at random and with seismic range of high and low score fluctuations.

1. It has been confirmed that my credit report ( s ) were breached during the Equifax breach. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 2. It has been confirmed that my credit report ( s ) have been breached during the XXXX XXXX XXXX breach. XX/XX/XXXX 3. It has been confirmed that my credit report ( s ) have been breached during the XXXX XXXX XXXXXXXX breach. XX/XX/XXXX 4. It has been confirmed that my credit report ( s ) have been breached during the XXXX pandemic. XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Currently, XX/XX/XXXXXXXX XXXX  only Equifax has removed all negative accounts. However, my credit score has not rebounded at all. It should be returned to the XXXX arrange which it was before all the breaches. Instead, it remains at XXXX for years. 

As for Experian and Trans Union these two agencies have not made any of the changes. And my credit scores have dropped to sub XXXX ; as of today, XXXXXXXX XXXX XXXXlso consistently being harassed by XXXX XXXX XXXX. They are a vile- collection agency. They purchased a debt which I paid, from XXXX XXXX As of XX/XX/XXXX, they list their collection account twice on my reports. They also have changed the status of the report from charged off to collections to open -late 30, 60, 90, 120+. And they keep re-aging their collection account. 

I have no dealings or arrangement with them. I never have and never will. I have paid the original credit thousands of dollars. This collection account must be removed immediately and permanently, please. 

The other harassing debt collector has been XXXX, which purchased an account from XXXX. This account is similar to the XXXX account. It was paid. XXXX has sold the account to XXXX which has now sold it to a law firm XXXX XXXX XXXX XXXX XXXX 

I have no dealings or arrangements with XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. I paid the original creditor. This collection account and the actions XXXXXXXX XXXX XXXX are threatening me with beyond reasonable and is harassment. This collection account must be removed immediately and permanently, please. 

I am asking for your help, please. I am requesting that all negative accounts be removed from all three major agencies XXXX Equifax, Experian and Trans Union immediately and permanently. 

I am also asking for the restoration off my credit score to be returned to the XXXX range. 

The documentation that I have supporting my claims is the letter from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I also supplied emails from Equifax Data Breach Settlement Administrator. Unfortunately, additional documentation was lost. My personal emails were hacked. My email files were corrupted. I lost all my files, including backups. It was devasting in its effects. 

I thank you in advance for your time and consideration. 

Sincerely, XXXX XXXX

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