Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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

Complaint:
Experian is in gross violation of my rights and honestly Experian has been continually and perpetually for the past few years insistent on making and including me in their statistic of targeted consumers to victimize. Experian 's failure to positively verify this account has hurt my ability to obtain credit. 

Despite three written requests, the unverified item, listed below still remains on my Experian Consumer credit report in violation of Federal Law. After multiple failed attempts and ignored written requests, Experian has still not provided me with a copy of the original creditors documentation on file which verifies that this information is mine and is correct. 

In the results of Experian 's investigations, Experian stated in writing that they " verified that this item is being reported correctly but did not provide any information about Who verified these accounts? Experian also either refused or was unable to provide me with a copy of ANY original documentation or contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) in the results of their investigation to provided to me. 

This is the quote from Experian 's previous response to a complaint i filed about this matter last year. 

( " Our research indicates that you previously contacted Experian to request a reinvestigation regarding the disputed information. At your request to begin a reinvestigation, we contacted the data furnisher ( s ) or public record vendor ( s ) to verify the accuracy of the information with which you disagree. The data furnisher ( s ) or public record vendor ( s ) has verified the accuracy of the disputed information. '' ) Experian also has for years been reporting the payment status of this account as transferred to another office without providing me with the information of which office it has been transferred to. 
As will be seen from the excerpts captured from photo screenshots of my most recent consumer credit report pulled from Experian 's website the column for original creditor has been intentionally left blank by Experian because any information they put there with respect to an original creditor will be unverified and thus they decided to leave it blank in violation of my rights. 
The column from the balance on the account has been left blank with no dollar amount stated in violation of my rights The same is the case for the column for original amount which has been left blank in violation of my rights because Experian can not verify the inaccurate information. 

The same is the case for monthly payment amount which has been left blank in violation of my rights because Experian can not verify the inaccurate information. 

Experian has failed to provide data on the name of the original creditor, the present furnisher or creditor, the original amount, the present balance, the monthly payment and several other violations. 


Experian is violating my rights because they see me as the small guy who can be bullied with no consequences and Experian 's considers itself the big guy who can bully the small guy and get away with it. Hence why i am referring this ongoing violation back to the CFPB to intervene and hold Experian accountable for their irresponsibility and reckless victimization of myself as a consumer. 

I WANT TO CATEGORICALLY STATE THAT THE DEBT IN QUESTION HAS BEEN FULLY PAID AND I HAVE RECEPITS TO SHOW PROOF OF PAYMENT. I DO NOT OWE THIS MONEY.

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