Product: Credit reporting or other personal consumer reports

This complaint is being made against EXPERIAN credit agency for conducting SHAM investigations into ongoing credit reporting errors on XXXX credit report for over a year now. 

Specifically, this complaint is regarding EXPERIANs ongoing factually inaccurate, fraudulent reporting of the XXXX XXXX account XXXX XXXX on XXXX credit report. 

XXXX has repeatedly notified and disputed this factually inaccurate information ( in regards to XXXX XXXX Account XXXX XXXX ) with EXPERIAN for over a year now via certified mail, over the phone, through their online dispute portal and also via the CFPB complaint process, whereby hes requested re-investigation MULTIPLE times. 

Each time, XXXX has requested that ALL METHODS OF VERIFICATION be provided to him, and also requested copies of any and all additional account documentation in his credit file which EXPERIAN has still not provided to XXXX. 

Rather than comply with the laws of the FCRA, EXPERIAN willfully conducts superficial, SHAM investigations into the matter and then sends XXXX generic, confusing response letters stating that EXPERIAN allegedly verified the information with XXXX without providing any supporting account documentation to verify its claims. 

EXPERIAN has been operating off heresay and presumption ( not actual documented proof ) that XXXX XXXX is telling the truth, and then refuses to remove/delete the inaccurate, fraudulent account on the basis of their sham investigation.

Per the FCRA 15 USC 1681 ( a ), ( b ) ( e ) ( i ) and ( g ) not only does EXPERIAN have a duty to maintain reasonable procedures to ensure maximum possible accuracy and fairness of report, but EXPERIAN is also required by law to conduct appropriate and reasonable re-investigations and follow specific procedures when notified by the consumer that there is a dispute. EXPERIAN is also required to make appropriate disclosures of information to consumers upon request, including all information and methods of verification used to prepare the credit report. 

EXPERIAN continues to operate as if the FCRA is a suggestion, rather than a set of laws that the agency is lawfully obligated to adhere to and abide by. 

XXXX has repeatedly pointed out that EXPERIAN is reporting factually inaccurate information that doesnt match the other credit agencies ( as evidenced by monthly XXXX reports which show side by side comparison information between the XXXX credit agencies ). All account information should match across all XXXX credit reporting agencies, but it consistently does not. 

Not only does EXPERIANs information consistently not match XXXX and XXXX, but EXPERIAN continues to ignore XXXX notifications to them that this XXXX XXXX account was set up as the result of identity theft/fraud. 

XXXX sent EXPERIAN a copy of his official FTC identity theft/fraud report. Yet at no time has this information been blocked as credit agencies are required do ( per 15 USC 1681c-2 ) EXPERIAN has not taken sufficient steps to intake, process, investigate and send sufficient notifications to the consumer ( XXXX ) during the dispute process ; thus resulting in the continual inclusion of incorrect, factually inaccurate information on XXXX  credit report. EXPERIANs reporting of this factually inaccurate, false, fraudulent information is now threatening XXXX access to credit, employment and housing ; while simultaneously undermining the integrity of the banking system as a whole. 

As of XX/XX/XXXX ( per EXPERIANs reporting on XXXX  credit report ) obtained via XXXX : XXXX. ) EXPERIAN is reporting XX/XX/XXXX as the date of last activity on this account while XXXX and XXXX list XX/XX/XXXX. This is a discrepancy of 5 years. Its not possible to have two different dates of last activity for the same account ; yet, despite being notified multiple times of this problem, EXPERIAN continues to claim they verified this information without providing any proof. EXPERIAN is now willfully reporting factually inaccurate information regarding the date of last activity for this account. 

2. ) Experian is reporting a closed date of XX/XX/XXXX for this account while XXXX and XXXX list XX/XX/XXXX. This is a discrepancy of 5 years. Its not possible to have two different account closure dates for the same account ; yet, despite being notified multiple times of this problem, EXPERIAN continues to claim they verified this information without providing any proof. EXPERIAN is now willfully reporting factually inaccurate information regarding the date of closure for this account.

3. ) EXPERIAN is reporting a current balance owed of {$590.00} while simultaneously reporting that the account was charged off and closed. This is not possible because closed/ charged off accounts should have {$0.00} balance because the original lender had the debt written off ; yet, despite being notified multiple times of this problem, EXPERIAN continues to claim they verified this information without providing any proof. EXPERIAN is now willfully reporting factually inaccurate information regarding the current balance owed for this account.

4. ) EXPERIAN is reporting that the high balance for this account is only {$490.00} while simultaneously reporting that the current balance owed is {$590.00}. It is not possible for the current balance to exceed the high balance ; yet, despite being notified multiple times of this problem, EXPERIAN continues to claim they verified this information without providing any proof. EXPERIAN is now willfully reporting factually inaccurate information regarding the high balance on this account. 

XXXX. ) EXPERIAN is reporting that this XXXX XXXX account was charged off for 30 consecutive months. This is not possible and factually inaccurate because an account can only be charged off ONE time and then the account is considered closed with no more active payment history. EXPERIAN continues to claim they verified this information without providing any proof.

*Furthermore, the IRS classifies charge-offs as INCOME and credit agencies are not allowed to report any information regarding income or late payment transactions because its considered private, not public information.

Ive attached this most recent XXXX report ( XX/XX/XXXX ) as proof of claim. 

These ongoing factual inaccuracies prove that EXPERIAN is now knowingly and WILLFULLY not complying with state and federal laws, which carries a larger civil penalty ( up to {$3500.00} per violation plus damages ) if XXXX decides to take this matter to court. 


These ongoing factual inaccuracies that EXPERIAN claims to have verified ( without providing any proof or methods of verification ) are also now grounds for immediate, permanent deletion of XXXX XXXX Account XXXX XXXX from XXXX EXPERIAN credit report. 

EXPERIAN is not complying with state and federal laws which carries a civil liability of at least {$1000.00} per violation per XXXX USC XXXX ( XXXX ). 

EXPERIAN also does not have a permissible purpose ( per 15 USC 1681b ) to be reporting this account information in the first place. XXXX sent a formal consumer OPT OUT notice to EXPERIAN via certified mail within which he invoked his right to privacy via 15 U.S.C 6802 and 16 CFR 313.7 and the Privacy Act of 1974. 

XXXX will be filing a complaint with the BBB, contacting the Attorney General and taking this matter to court and suing EXPERIAN for these current, ongoing violations ( and past violations ) and additional damages if this issue is not resolved within the next 14 days. 

To be clear, by resolved, XXXX means that EXPERIAN needs to remove and permanently delete all information regarding XXXX XXXX account XXXX XXXX from XXXX credit report and file. 

XXXX is also requesting that EXPERIAN pay monetary compensation/remedy for a reduced settlement amount of {$10000.00} ( for current FCRA violations/inaccuracies XXXX his credit report as the result of EXPERIAN conducting sham re-investigations of ongoing credit reporting errors ). 

XXXX is giving EXPERIAN this final opportunity to cure ( INVOICE attached ) and is willing to settle for this reduced amount ( of {$10000.00} ) to avoid having to take this matter to court where XXXX be seeking upwards of {$80000.00} additional remedy for current ( and past ) damages ( including emotional distress ) plus all attorney/legal fees. XXXX has over a years worth of monthly credit reports full of factual inaccuracies as proofs of claim for willful non-compliance which XXXX be submitting as evidence against EXPERIAN if this opportunity to cure is ignored.