Consumer complaint received 2024-10-10 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: PA

Complaint narrative:
Good afternoon, I called your customer service to get to the bottom of certain accounts in my credit report being disputed that I did not initiate or ask for. I notice all my XXXX accounts whether closed or opened were disputed along with my XXXX and XXXX XXXX accounts. The XXXX and XXXX XXXX accounts I noticed your agent did remove the comments and remarks. They all remain on my XXXX accounts. Your agent lied and said that I made the request from a dispute I put through earlier but they could not provide me with this proof. It is because they do not exist, besides XXXX I have not disputed any other accounts on my profile, only personal information such as telephone and addresses, etc. I informed your agent and they said this would not be the reason for the dispute. I lost multiple positive account history from XXXX due to this. All I am asking for at this particular moment in time is to have the comments and remarks removed from all the accounts on my credit report. These were fraudulently initiated by your company and you are again violating my consumer rights. Again only XXXX was initiated by me, you can remove the remark and comments from this account as well if I am entitled to that. If I do not have that right I am ok with that, but all the remaining accounts I want it justifiably wiped off. 

Secondly, you never provided me proof that I initiated these disputes. I still require your proof of these disputes. My credit score has dropped significantly from reports being removed off my report from your false disputing of my credit report accounts. I have contacted XXXX  about the matter and they will not put my positive accounts back on my report because they assume I disputed the accounts even though I made it clear it was fraudulently done by the credit agency. They want proof from me. So I need proof from you that I made this dispute as you have stated I have. 

You have yet to supply me this information that I asked for over the phone, so now I am doing it online for a paper trail. You already have my XXXX account reporting inaccurate after multiple disputes, and have not reported it correctly or removed the account entirely. Instead still false information continuously reporting and strengthening my case I am working on against you. However, this is not about that XXXX account, even though when we meet in court all this will be used against your company. 

I look forward to your " findings '' and the reasoning why all these accounts where fraudulently disputed. Oh and please don't say what your agent said over the phone that my creditor initiated it. I already have documentation from them proving they did not initiate or do any monthly updating of these accounts. Please call them again on your behalf and get your data furnishing correct! Your agent told me your information was already correct and furnished from XXXX, so I asked to speak to a XXXX. The XXXX then got on the phone with me and he iterated the same bull and lies as the agent. Not already knowing I talked with XXXX. When confronting him with this he got silent, defensive ( he was already rude with a nasty demeanor for a team leader ) and started stammering over his words. He acknowledged I caught him in a lie, said it's nothing he could or would do and I have to deal with XXXX to get it put back on my report and that's all. No accountability, no trying to make it right, and No motivation to correct the false reporting and disputing of my credit report. 

If this is legal and allowed someone let me know and show me proof of this. I still have all copy of my disputes and all replies from you. In not XXXX dispute or reply from you does it mention XXXX accounts, and previously XXXX XXXX or XXXX. So why were they disputed?? 
I only challenged the accuracy of my XXXX accounts and you further made them more inaccurate then before. I am just tired of disputing that XXXX account for now, I am let you keep reporting it fraudulently after your findings, I will get paid and retribution for that soon, I am patiently playing the long game. A lawyer will get me much more than I can get myself, the more time that passes the more the bill is going up. 

All I wanted was fair and accurate information on my credit report and you are purposely not following FCRA law. You once accused me of having credit fixers or some bs and sorry to burst your bubble, it's only me here. XXXX XXXX XXXX! No AI, no outside help, only my XXXX XXXX. I do not need credit help, only mistakes on my credit now are from your doings, the prior mistakes you updated them to be new, but again still not accurate. I am waiting on some more documents from XXXX and XXXX XXXX before I proceed to attack you on the reporting of this account, in due time. 

In the meanwhile, fix the statements on my credit report. Remove the prior referenced remarks from said accounts. Time to fix up some of your errors. I get it, you are probably in over your head with countless disputes, stressed home life and being poorly paid for the importance of your duties. All that blows, I can relate. People make mistakes, accidents happen, but to continue forward and not fix the problems at hand only puts more work on all of our plates. Especially with someone like me who knows holiday season is here. if I need to send in notarized mail to continuing pursuing these accounts I will. Just know I am coming with like XXXX plus page disputes, nothing short like this online dispute. If I have to work and work hard to my fair treatment I am entitled too, then I guarantee who ever gets my future disputes are gon na be put to work as well. 

Thank you for your time, I look forward to your response of my dispute. And I look forward to future communications as well. Have a great day, filled with deserved karma! Whether good or bad, that's up to you. Take care.

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