Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4390138

Complaint Overview

Complaint ID: 4390138

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: North Carolina

ZIP Code: 280XX

Date Received: 2021-05-19T12:00:00-05:00

Date Sent to Company: 2021-05-19T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

AT XXXX XXXX AND XXXX XXXX ON XX/XX/19 I RECEIVED EMAILS FROM THE CFPB STATING THAT THAT COMPLAINT ID 'S WERE CLOSED/RESOLVED. AT XXXX XXXX I SUBMITTED FEEDBACK ON A CLOSED CFPB COMPLAINT WITH EXPERIAN. IN THE ORIGINAL COMPLAINT, I STRESSED I WANTED NO ADVERSE ACTION TAKEN AGAINST ME. THESE DISPUTES WILL IN EFFECT HAVE BOTH COLLECTION ITEMS UPDATED ON MY CREDIT REPORT AS SOON AS THEY RECEIVE A RESPONSE FROM THE CREDITOR THUS TAKING MY SCORE DOWN AGAIN AS A RESULT OF UPDATES TO BOTH DEROGATORY ITEMS. I WIILL RECEIVE THE IMPACT OF NOT ONE BUT TWO UPDATES IF THESE ARE NOT CLOSED. IF THESE DISPUTES ARE NOT CLOSED IMMEDIATLEY, THIS WILL JUST BE YET ANOTHER PART OF MY ORIGINAL COMPLAINT.I HAVE SPOKEN TO TWO AGENTS XXXX AND XXXX. THEY CONFIRMED THE CALLER CALLED AT XXXX XXXX TODAY STATING THEY WERE ME. I DID NOT MAKE THIS CALL. I ALSO WORK AND WAS WORKING ACTIVELY ON INBOUND AND OUTBOUND CALLS AT THAT HOUR AND WOULD NOT HAVE BEEN ABLE TO MAKE THIS CALL. I ALSO AM IN THE MIDDLE OF A MAJOR CREDIT PULL UNDERWAY AND WOULD NOT HAVE OPENED THIS DISPUTE FURTHER IMPACTING MY CREDIT PROFILE WITH ERRONEOUS UPDATES. THESE TRAELINES WHILE THEY SHOULD NOT BE REPORTING, I CAN NOT AFFORD THE IMPACT OF THESE NOT BEING PROPERLY RESOLVED AT THIS TIME. XXXX CLOSED MY CLAIM STATING THAT THE IDENTIFYING INFORMATION I PROVIDED DID NOT MATCH MY CREDIT PROFILE. THAT WOULD BE IN ACCURATE. IT WAS FURTHER CONFIRMED BY AN EXPERIAN REP XXXX THEY RECEIVED A REQUEST FROM THE CFPB AND DOCUMENTATION REQUESTING UPDATES ON MEDICAL DATA SYSTEMS TODAY. I INQUIRED WHAT WAS BEING REQUESTED IN THE DISPUTES AND I WAS TOLD THEY WANTED A STATUS OF THE ACCOUNTS. I REQUESTED THESE DISPUTES BE CLOSED IMMEDIATELY AND WAS TOLD BY XXXX IN DISPUTES THIS HAD BEEN CLOSED. HOWEVER I JUS RECEIVED A NOTICE FROM EXPERIAN ABOUT DISPUTES OPENED AT XXXX XXXX AS NOW RESOLVED WITHIN XXXX HOURS! HOW CONVENIENTLY IN SOMEONE'S FAVOR OTHER THAN MINE. MY CREDIT PROFILE SHOULD NOT BE IMPACTED AS A RESULT OF THESE COMPLAINTS. THESE TRADELINES HAVE BEEN UPDATED AND MY SCORE WILL UPDATE AS IMPACTED BY TOMORROW AS A RESULT. I AM SENDING THIS TO THE ATTORNEY GENERAL 'S OFFICE. I WILL SEND THIS TO EVERY SUPERIOR OFFICE, DESK OR OTHERWISE UNTIL THIS IS RESOLVED AND YOU CEASE CAUSING HARM TO MY CREDIT PROFILE. SOMEONE IN EXPERIAN NEEDS TO GET TO THE XXXX OF THE PHONE NUMBER THEY WERE CONTACTED FORM TODAY AT XXXX. THEY NEED TO ALSO TRACE FROM WHERE THEY RECIEVED UPLOADED DOCUMENTATION FROM THE CFPB ON A UNRELATED COLLECTION TRADELINES

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