Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern Im writing this in hopes of some type of resolution and helping me move forward, Im this complaint because several things have stood out to me and in reading over my consumer report when comes the account mentioned below and in the attachments. Ive dried for several months to say you were reporting inaccurate information on my consumer report regarding XXXX XXXX XXXX and my dispute has been neglected to properly be investigated as several request to do so. Im looking how youre describing the account type for the alleged agreement is known as by its governing laws as credit sale. There is no loan agreement in place at all. No goods or money was loaned to me the alleged debtor. This is a violation of the FCRA to knowingly furnish or report false information. Also, according to the IRS, a canceled debt is ordinary income and income is not reported on a consumer report. Also, my account with XXXX showing an alleged auto loan has been accelerated and according to the laws that govern credit sale transactions. The payment should be obsolete and should be listed as {$0.00}. It also an violation to willfully furnish inaccurate and incorrect information a c consumer report. This information is misleading and a mischaracterization of this alleged account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, this a law not something the was interpreted in my own words and public knowledge and has been continued to be ignored because no proper investigation has ever been done. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Ive lost wages at work and really been stressed with trying to find a transportation to get back and forth with work and picking kids and keeping my promise in custody agreement, this willful neglect and noncompliance of my consumer has caused more stress and anxiety that can be described. Im not only asking for thus account to be deleted from all my consumer reports but also damages from being denied several times and for proof Ive enclosed Exhibit A, B, C, to help further my complaint. You have 7 days to reply, or Im left no other option but to pursue litigation. PLEASE SEE ATTCHMENTS!!!!!!!!!

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