Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is in willful noncompliance and violation of 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) and FCRA 15 USC 1681 [ Sec ] 616 ( 1 ) ( A ) ; and caused an adverse action with XXXX  in that : 1. Experian is reporting invalid data by reporting a " score of XXXX '' dated XX/XX/XXXX while at the same time on XX/XX/XXXX the online Experian reports a " score of XXXX. Said data is " facially false '' data pursuant to 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) and de facto invalid data pursuant to 15 USC 1692g Sec. 809 of the FDCPA. 
2. Experian is in willful violation of the FCRA 15 USC 1681 [ Sec ] 616 ( 1 ) ( A ) and 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) when Experian was put on notice to cease and desist from reporting facially false data cited in the following letters forwarded certified mail dated : a. Certified Mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX b. Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The cease-and-desist order in the letter dated, XX/XX/XXXX, specifically demanded that Experian cease and desist in reporting inconsistent scores. The letter further demanded that Experian cease and desist in reporting scores whereby the FICO 8 calculation deliberately suppressed the score XXXX points below what the other credit reporting agencies were reporting. When one compares the calculation of XXXX and FICO 8 which includes their various categories and how each are weighed that they are very similar, but in point of fact, the XXXX weights a greater than FICO 8, thus, the data disseminated by Experian is facially false violating 607 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Experian continues to transmit data which is facially false violating 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) by reporting to XXXX ( listed on XXXX Adverse Action form see Reason for Adverse Action items that are " x '' and listed below the score ) : a ) Delinquent post or present credit obligations with other; b ) Garnishment, attachment, foreclosure, repossession, collection action or judgement. 
The cease-and-desist order of XX/XX/XXXX specifically demanded that Experian cease and desist in reporting data that is invalid whereby the Experian online account show " 0 '' ( zero ) collections or no delinquencies. Said action is clearly facially false and violates 607 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
4. Experian violates 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) when it reports on a student loan account in forbearance that federal regulations requires credit reporting agency to report said forbearance account past due activity as present, current or paid as agreed. Utilizing Experian online dispute portal, on XX/XX/XXXX, I disputed the data for failing to comply with federal regulation. By failing to comply with federal regulation on student loan accounts in forbearance like the other major credit reporting agencies, Experian reports a forbearance account that is facially false. 
5. Experian violates the letter and spirit of 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) when it reports via electronically or paper whole or in part one set of data to me who the data is about and another set of data whole or in part to a creditor requesting said data. Said action performed by Experian and the data it reports is facially false. 
By its acts and practices as hereinabove described, Experian have violated the FCRA by reporting data facially false as follows, without limitation : a. By failing to make appropriate corrections on XXXX XXXX  account ending XXXX. b. By committing multiple errors with calculating and reporting a credit score ; and c. By failing to conduct a reasonable investigation. As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by Experian. Utilizing Experian online portal, I would apply for credit only to be misled. It is like a teacher presenting a test score on a student 's assignment paper one way but recording a totally different score in the grade book. After writing Experian on numerous occasions, documented above, I am still aggrieved by this unresolved ongoing dispute regarding data that is facially false. I grew more stressed and aggravated by the Experian 's inability to coordinate a resolution regarding the items listed above. Due to the Experian 's unfair, deceptive, and abusive practices, Experian is liable for statutory penalties and actual damages sustained as a result of the Experian violations of the FCRA. 
Resolution Sought : IMMEDIATE CONSUMER REDRESS INJUNCTIVE RELIEF MONETARY DAMAGES FOR EACH INDIVIDUAL VIOLATION from XX/XX/XXXX, date of correction, plus interest for each day I was DENIED the applied credit and for NEGLIGENCE, BREACH OF DISPUTE INVESTIGATION PROCESS which denied and deprived me of my MONEY and caused undue emotional distress and duress.

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