Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a new complaint, directly related to just prior with the same creditor, XXXX Bank. That complaint was case # XXXX. In that complaint, I described how XXXX XXXX is wrongfully and unethically reporting on my credit reports. I opened ( 1 ) one personal loan for {$9000.00} with XXXX Bank. After just over a year of monthly, on time payments, XXXX XXXX affected me and my employment, XXXX XXXX, which went bankrupt and I ended up in the hospital on two separate occasions. This account, after many attempts to refinance, ask for customer assistance, deferral or just accepting a payment without interest for 6 month were all denied by XXXX XXXX. There refusal to offer any assistance caused this account to eventually go into collections, then XXXX XXXX charged off this account in XX/XX/XXXX. After regaining my health, finding and working XXXX jobs, I called XXXX XXXX spoke with a gentleman in the collection department and told him my situation and if there is any possibility of resolving this loan. We eventually agreed to a one time payment of {$3200.00} which XXXX XXXX took directly from my XXXX checking account and an agreement to stop reporting negative information on my credit report. This payment and agreement were made and the account was satisfied. Now, showing on my credit report are two XXXX XXXX accounts, both are directly related to the only one account in question. Something strange is, both accounts on my credit report show separate account # XXXX but all have identical account information as to the original account ending in XXXX. One XXXX account starting with XXXX reads, closed, paid in settlement, status update as of XX/XX/XXXX account paid in full for less then balance. The 2nd XXXX account, starting with XXXX reads, closed, Transferred, closed {$7300.00} written off, status update XX/XX/XXXX account closed due to transfer. These two XXXX XXXX accounts Do Not have the original account # of ending in XXXX. Ive read XXXX XXXX response in the recent response, but its makes no sense or understanding. If TXXXX XXXX  charged off, written off this account, then they received credit or some kind of IRS tax write off credits. If so, then why turn around and settle this account for {$3200.00} more. XXXX XXXX receives tax credits for insurance purposes then receives additional money, fees of {$3200.00} on this same account, but, now XXXX changes the account # XXXX and associates this original account with another, actually XXXX new accounts, but with different information. I believe XXXX may have committed not only insurance fraud but IRS fraud as well as to how this original account was opened, then went into default, was then sent to collections, which eventually was changed off/ written off for insurance and IRS XXXX purposes but in XXXX, accepted a proposal from me on a phone conversation to, which I believed to be still in collections with XXXX XXXX, to settle my debt in order to move on with my life. If I knew this account was charged off, I would have waited for some collection agency to call and made some kind of same arrangements with them, including stop negative credit reporting and removal of this account from collections. XXXX XXXX, I believe by reporting twice on my credit report is a way to cover up this double dipping of charging off an account with an account ending in XXXX then after collecting the benefits of charge off for insurance and IRS reporting, then turns around and takes additional money of {$3200.00} from me but listed this transaction in a way that brings no attention to this outrageous scam. If you have a creditor that reports you account delinquent, then gos into charged off/ written off, the account is sold to junk fee buyers or debt XXXX which will contact me, using the original account information, payment stubs, payment history to prove they now own the debt. Normally, I would write a letter to such debtors, asking for verification of debt with additional proof included date purchased, the amount, copy of the contract which would show if this new debt collection can even collect this debt or legally sue for such. This issue need to be investigated further with XXXX XXXX The reporting they are doing on my credit report is highly suspect and would not be reported twice in such a manner when this was all pertaining to one account only. This reporting bXXXX XXXX XXXX is not only unethical practices but violates my rights under the FCRA as its reporting is false, misleading and potentially criminal conduct. Im asking the Department of consumer affairs to please investigate this as XXXX XXXX  has abused my credit reporting and my identity, causing my unbelievable financial distress and financial hardship. 
Thank you in advance for any assistance in doing a re investigation with now additional evidence. Ive also notified the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided them all relevant documents and information as well.

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