Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
I requested a copy of the original contract with my signature, along with all charges and statements on this account. I did not receive any of this and, within a couple of days of filing the dispute, was sent notice from Experian that my dispute results were ready and they had not updated this account at all, but had the same information listed and refused to update and correct it. The balance is not correct. This is a breach of the FDCPA and FCRA, they are reporting inaccurate information!! I want both to be fined for this and the account to be canceled and removed from all three of my credit reports for this reason. Please enforce the laws!!! I AM SICK AND TIRED OF THESE BUSINESSES AND THE CREDIT REPORTING AGENCIES BEING LAWLESS DOING WHATEVER THEY PLEASE AND IGNORING THE LAWS!!! I want the documents I requested, my account corrected, the account removed and canceled on all three reports, a corrected copy of all three of my credit reports mailed to you and to me, and then both the business and the credit reporting agencies reporting the inaccurate information fined!!! THEY ARE RUINING PEOPLE 'S CREDIT AND BREAKING THE LAW!! I also DO NOT want this complaint closed until all is completed and I will let you know when it is done!! I was taken off work at my job at the SXXXX XXXX XXXX XXXX by my MD for Severe Stress Disorder with XXXX symptoms in XX/XX/XXXX for 15 mo. on unpaid medical/disability leave. I am a twice-widowed mother and have no help! The balance was only {$5500.00} at that point and now they are showing {$7400.00}!! They can not keep charging me Usery interest charges like this on a charged-off account!! I am not paying it ; I want the account canceled and removed from my reports!!! I am almost XXXX XXXX XXXX and still not back to work and looking at filing bankruptcy as I am insolvent!! They will answer to God for this one day too!! 
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$7600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$5600.00} written off. {$7600.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Type Secured Loan Terms 25 Months On record until XX/XX/XXXX Credit limit or original amount {$6800.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 60 days past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$7400.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$7200.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$7100.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$6900.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$6700.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$6500.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$6300.00} / XX/XX/XXXX / No data/ No data XXXX XXXX : {$6100.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$5900.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$5700.00} / XX/XX/XXXX / No data/ No data XX/XX/XXXX : {$5600.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$5500.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$5400.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$5300.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$5200.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$5000.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$4900.00} / XX/XX/XXXX / {$390.00} / {$540.00} XX/XX/XXXX : {$5300.00} / XX/XX/XXXX / {$390.00} / {$2700.00} XX/XX/XXXX : {$7200.00} / XX/XX/XXXX / {$390.00} / {$650.00} XXXX XXXX : {$7700.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$7500.00} / XX/XX/XXXX / {$390.00} / {$410.00} XX/XX/XXXX : {$7700.00} / XX/XX/XXXX / {$390.00} / No data XX/XX/XXXX : {$7500.00} / XX/XX/XXXX / {$390.00} / No data The original amount of this account was {$6800.00} XXXX XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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