Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: NC
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:
As you will see and read and have evidence of, The collection accounts furnished by XXXX XXXX XXXX were unlawful and I have demanded you remove these from my credit file. 

But Thank you for reviewing my complaints I am submitting to you today. As you will see, it has been a long and exhausting year for me dealing with this company called XXXX XXXX XXXX, a local collections agency/debt collector located here in XXXX North Carolina XXXX 
I attest that the information that I am about to share with you is true, accurate, and I have records and evidence to support these complaints I am about to share with you. 
I feel confident that upon your reviewing of these complaints, you will agree with me that this collections agency, XXXX XXXX XXXX, operates in a rogue manner, is deceptive in its collections activities, and lawless as the record will show that both XXXX XXXX laws were broken by the XXXX XXXX XXXX and Federal laws as well. 
The actions of XXXX XXXX XXXX, collection agency licensed by the state of North Carolina, has conducted themselves way and above that of acceptable behavior and I truly feel I am not the only one that has gone through the nightmare over the past year as XXXX XXXX XXXX is very known in the community for being that as I described them above by many others that have had the pleasure of dealing with them at some point as well. 
I am going to approximate numbers at some points in my complaints but you will see that the gross misconduct is established early on but I would like a forensic review of the documents that I have to get actual numbers, if you need those, but I will attest to this, the complaint content that I provide to you is indisputable and I could only XXXX how XXXX XXXX XXXX is going to respond to all of these complaints other than I, XXXX XXXX, are absolutely correct. 
It would not be a surprise to me if they perjure themselves as they have when they falsified their responses over XXXX times to disputes that I filed with the XXXX XXXX XXXX XXXX and of course over XXXX times to the XXXX credit bureaus ; XXXX, XXXX, and Experian in their responses to disputes that I filed with the credit bureaus ranging from requests of validation of the XXXX aging medical debts that XXXX XXXX XXXX had been reporting to the credit bureaus and other misconduct such as reporting junk data to my credit files. 
XXXX XXXX XXXX, in my opinion, used the method of parking with regards to XXXX collection accounts they apparently procured from another company called XXXX, XXXX XXXX as indicated on my credit files " even today. It clearly lists XXXX XXXX XXXX As an original creditor, therefore I followed the proper steps and began disputing these XXXX collection accounts that were being reported and data was being furnished to the XXXX credit bureaus directly by XXXX XXXX XXXX XXXX 
On or about XX/XX/XXXX, I received my first response to my complaints/disputes of these XXXX accounts from XXXX ; XXXX is fair to say that at the same time that I filed disputes with XXXX  that XXXX XXXX and Experian were informed but I do not have access to that far back with those XXXX credit reporting agencies but I can get that information if needed. 
For the sake of ease, its fair to say I began disputing with the credit bureaus toward the end of XXXX of XXXX and clearly before the end of XX/XX/XXXX, XXXX XXXX XXXX were alerted to and they began their responses to my disputes via the dispute process with the XXXX credit bureaus and during those disputes, communication had established even though indirectly with the credit bureaus, but I followed procedure and in doing so my rights were violated multiple times and a spiral of blatant misconduct and disregard to the laws of XXXX and the XXXX Government began by the collection agency XXXX XXXX XXXX. 
According to report number XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX all from XXXX, shows XXXX that at least XXXX separate times prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX with at least XXXX disputes and instead of following the laws and automatically forwarding information to my home, or me however they chose to do so, but they did not follow the laws when they very well knew that after contact with a consumer especially during a direct dispute process with all three credit bureaus, can not deny that they were aware of my formal disputes because across XXXX credit reporting agencies, XXXX reports in XXXX, that is XXXX times that they were being notified that I was disturbing these XXXX again debts and took no action. 
It is indisputable that XXXX XXXX XXXX " parked those XXXX aging collections accounts on my credit files until I learned of them. According to the XXXX XXXX XXXX, this method of parking collections on consumers credit files is better explained by an article published by the FTC. 
Just what is debt parking? 
Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they XXXX not actually owe the money. 
Source : https : XXXX The record will show that in over XXXX complaints that I filed over several months disputing these XXXX aging medical debts with XXXX credit bureaus, not XXXX time did XXXX XXXX XXXX ever XXXX stop and send to me anything in the mail nor did they contact me in anyway whatsoever to provide to me that information that are required by law to provide to me prior to collections activities against me especially reporting derogatory data to the credit bureaus against me in this case its been approximately XXXX days ago that XXXX XXXX XXXX XXXX XXXX derogatory information regarding XXXX medical debts for {$1000.00} and {$85.00}. 
XXXX XXXX, XXXX XXXX and XXXX XXXX days ago, XX/XX/XXXX, is when XXXX XXXX XXXX, a local collection agency began reporting derogatory medical debts to the XXXX credit bureaus thus causing damages to my XXXX XXXX for many years without my knowledge. 
Once I learned of these XXXX medical debt collections on my credit files, I followed protocol and began disputing these XXXX medical debts only to be ignored by the XXXX credit bureaus when all they did in each and every complaint since then and I would XXXX its close to XXXX XXXX complaints, agreed with XXXX XXXX XXXX each and every time and would always simply say something to the tune of XXXX XXXX XXXX has validated the XXXX accounts and would do nothing. 
Those XXXX collections remain on my credit reports today even after I have filed over XXXX plus complaints with the XXXX credit bureaus, and close to XXXX complaints with the XXXX XXXX XXXX XXXX where in over XXXX of those complaints filed with the XXXX XXXX XXXX XXXX, a XXXX government website let me remind you, XXXX XXXX XXXX blatantly falsified their responses to my complaints in efforts to conceal that they have never validated these accounts properly but mostly to conceal the complaint that I filed against XXXX XXXX XXXX for mailing me an unlawful letter in the mail dated XX/XX/XXXX, XXXX that contained content that was unlawful, confirming that that letter was the ABSOLUTE FIRST TIME EVER IN HISTORY OVER THE PAST XXXX YEARS THAT XXXX XXXX XXXX EVER PROVIDED TO ME ANYTHING IN THE MOST MISERABLE ATTEMPT TO VALIDATE THESE XXXX DEBTS! 
The record shows that NEVER in the history of XXXX years of XXXX XXXX XXXX reporting XXXX medical debts on my credit files did they ever provide to me anything even after over XXXX plus complaints. The record will show that XXXX XXXX XXXX ONLY THEN provided me with their miserable attempt of validation of these XXXX debts only after I finally submitted a complaint to the XXXX. The XXXX XXXX XXXX XXXX did finally mail to me an envelope that contained unlawful data and possibly unlawful XXXX disclosed to them by the original creditor, XXXX XXXX XXXX. 

I was absolutely shocked. 
The record will show that XXXX XXXX XXXX never provided to, offered to, mailed to me, contacted me, or had the original creditor, XXXX, XXXX XXXX, ever send to me a letter of validation if you want to call it that, but XXXX years later is ridiculous and unlawful because they were to send me a letter of notification XXXX days after our first point of communications and that was in XX/XX/XXXX when I filed XXXX different disputes against XXXX XXXX XXXX therefore they were aware that I had disputed these accounts formally and did not follow the law and immediately send to me the information that I was requesting. 
XXXX XXXX XXXX did not provide to me any copies, historical copies, historical letters of notification, copies of anything that they could have sent to me since XX/XX/XXXX, not did they even mention them in over XXXX complaints to the XXXX credit bureaus, which in combination that is XXXX complaints, XXXX to XXXX, XXXX to Experian, XXXX to XXXX. Not XXXX time did they make an attempt to mitigate their actions. Not XXXX time did they provide anything and in their own words in the letter dated XX/XX/XXXX when they said They contacted their client ..... 
XXXX XXXX XXXX violated the law when they did not provide to me any notification of XXXX debts back in XX/XX/XXXX even though XXXX plus complaints with the XXXX credit bureaus and close to XXXX complaints with the XXXX. XXXX XXXX XXXX, did they ever mention to the fact that they followed the law, never attempted to produce any evidence of following laws stemming back to XX/XX/XXXX, and did not take any action in XX/XX/XXXX when they were formally notified that I was disputing these XXXX debts and thus far has never once provided to me the proper notification or validation of these XXXX aging debts theyve been reporting, until they finally did when they mailed to me dated XX/XX/XXXX, a letter that contained unlawful content because they threatened me with laws that do not exist, ridiculed me and characterized me as a furious disputer, threatened me with laws that DO NOT EXIST, told me to BE AWARE that those XXXX debts have already been reported to the credit bureaus. Breaking the law again! 
XXXX XXXX XXXX, as you will see in the attachments, only sent to me finally XXXX years later and after XXXX plus state and federal disputes, sent me their miserable attempt to validate these XXXX debts only 126 days ago. What XXXX XXXX XXXX did 126 days ago they were supposed to do approxim	ley XXXX days ago ( XXXX years ago, XX/XX/XXXX ). 
The letter sent to me dated XX/XX/XXXX also has a statement from XXXX, XXXX XXXX that possibly contains unlawful XXXX. That statement shows again from XXXX, XXXX XXXX, they did not provide any copy of any former notification letters or any copies of anything ever sent to me by anyone as they were both dated XXXX XXXX and XX/XX/XXXX, respectively, and show that both XXXX XXXX XXXX have essentially both conspired to Park these collections and I am in fear that this same practice is not being done with other people knowing that XXXX XXXX XXXX has XXXX of thousands possibly, medical collection they are collection given to them by XXXX XXXX XXXX 

I believe the reason is that XXXX XXXX XXXXXXXX distributes collections to XXXX XXXX XXXX is the fact that XXXX XXXX was charged by the XXXX Department XXXX XXXX several years with the False Claims Act where they defrauded XXXX, XXXX, and Tricare, etc. Although they worked it out, XXXX XXXX, paid back over {$600000.00} dollars ; But they werent guilty LOL There is an air of criminal behavior here amongst both XXXX XXXX XXXX and XXXX XXXX XXXX After XXXX complaints to the XXXX credit bureaus ( XXXX in combination of all three bureaus, and close to XXXX complaints filed with the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided fictitious information that they attested to in their responses to the very complaints that I have been disputing and complaining for years. 
Even today, XXXX XXXX XXXX is still reporting these XXXX medical debts on my credit report even though they have violated state and federal laws, and in their deceptive responses to close to XXXX complaints with the United States XXXX XXXX XXXX, i suppose they aren't scared to lie to anyone ; XXXX if I would lie to a XXXX Government website because each time they lied is a federal charge I have confirmed that. 
Their deceptive responses time and time again, validating with the XXXX credit bureaus makes me sick because for the very fact that I have been requesting, disputing, in in combination XXXX times all in all, XXXX XXXX XXXX somehow being deceptive provided something to the XXXX credit bureaus to validate these accounts time and time again in every dispute but never provided anything to me until the unlawful letter. 
XXXX XXXX XXXX continues to furnish XXXX XXXX to the credit bureaus. Right now as we speak, after all the violations, XXXX XXXX XXXX, acting like lone wolves, continues to blatantly violate the laws when in their attempt to maliciously destroy me financially and have damaged my XXXX XXXX unlawfully for years that is proven on record ; Continue as we speak today violating my rights and have refused to mitigate or have some compassion for the damages they have caused me over the past year or fighting to keep my credit file clean when I have over XXXX plus accounts with not a late payment for XXXX years is my oldest account. 
I pay my bills. And if XXXX XXXX XXXX XXXX XXXX XXXX XXXX would have given me a bill and I would have paid it. The record shows that NO BILL was ever sent to me and when they did miserably attempt to provide something since I complained to the feds, you see what I got in the attached letters. 
Junk Data is still being reported unlawfully against me on my credit files. XXXX XXXX XXXX has violated the law and my rights again. 
The federal government has warned credit agencies from reporting junk data to consumers ' credit files. When consumer reporting companies include inconsistent or conflicting account information or information that does not make sense or can not be true, consumers can suffer real-world consequences. Junk data in reports can lead to consumers being denied credit, housing, or employment, or paying more for credit. Junk data can take many forms, but some examples are credit reports that reflect a child having a mortgage, or a credit report that reflects a debt incurred years before the persons birth. 
Financial data has reported junk data to the credit bureaus and it is illegal and deceptive trade practices. They are posting this to the credit bureaus : Seriously past due date ( XXXX ) assigned to attorney ( XXXX ) collection agency ( XXXX ) or credit grantor 's internal collection department Lets break this down so you get the drift. This is another ploy of their deceptive behavior to junk up my credit files with junk data. This is unlawful and deceptive : XXXX. Serious past due is already established in the account type and payment summary, this is unfair and unfair is a violation of the fake fair credit reporting act. 
XXXX. It is not assigned to an attorney- I have never received any correspondence or XXXX XXXX XXXX have systematically lied and this is deceptive and unfair which is a violation of The fair credit act. 
XXXX. This is deceptive and Unfair as the company itself is not the original creditor and XXXX XXXX XXXX is a bonafide collection debt collector, and procured these debts to collect in the same function any collection agency collections debts procured by the original creditor, they are the collection agency and this is deceptive and unlawful. 
XXXX. This is deceptive and Unfair as the company itself is not the original creditor and XXXX XXXX XXXX is a bonafide collection debt collector, and to furnish data that this is an in-house collection department action is unlawful, deceptive, and not fair. These debts were procured from the original debtor for the purpose of collecting these debts in their normal day operations as they perform services as a collection agency for the sole purpose to collecting debts from third parties whom they procure debts. XXXX XXXX XXXX is a separate company that the original creditor and are exclusively in the business for collecting third party debts and this is not a bill that was created or owed to XXXX XXXX XXXX at any time until they procured these XXXX debts to perform the service they were contacted to do and thats collections of aging debts derived from other businesses, to collect in the same function any collection agency collections debts procured by the original creditor, they are the collection agency and this is deceptive and unlawful. Under section 607 ( b ) of the Fair Credit Reporting Act, consumer reporting companies must follow reasonable procedures to assure maximum possible accuracy of the information they collect and report. The advisory opinion is intended to serve as a reminder to consumer reporting agencies that the failure to maintain reasonable procedures to screen for and eliminate logical inconsistencies, to prevent the inclusion of facially false data in consumer reports, is a violation of [ section 607 ( b ) ]. The opinion states that a consumer reporting agencys policies and procedures should be sufficient to detect tradelines with account statuses or codes that are plainly inconsistent with other information reported for that same account such that, if included in a consumer report, at least one item of information therein would necessarily be inaccurate. The opinion provides the following examples of logically inconsistent account information or statuses : An account whose status is paid in full, and thus has no balance due but nevertheless reflects a balance due ; An account that reflects an XXXX XXXX XXXX that increases over time, an impossibility by definition ; and Derogatory information being reported on an account, although that derogatory information predates an earlier report that did not include the derogatory information. The opinion further states that a consumer reporting agencys policies and procedures should further identify and prevent illogical reporting of a Date of First Delinquency in connection with an account and provides examples of an illogical Date of First Delinquency. The opinion also addresses the need for a consumer reporting agencys policies and procedures to identify logical inconsistencies in consumer information such that, if included in a consumer report, some of the information therein would necessarily be inaccurate. Such inconsistencies include impossible information about consumers and information about consumer accounts that is plainly inconsistent with other reported information, such that XXXX piece of information must be inaccurate. The opinion advises that consumer reporting companys policies, procedures and internal controls should further identify and prevent reporting of illegitimate credit transactions for a minor. It states that minors generally can not legally enter into contracts for credit except in limited circumstances, including applications for student loans, for emancipated minors, or as credit card authorized users. The CFPB notes that minors, particularly minors in the foster care system, are more susceptible to identity theft and inaccurate credit history information. 
Attached to this complaint is a XXXX that covers the unlawful letter sent to me from XXXX XXXX XXXX and I tried to analyze it with assistance and I feel it is just. 
Please help me stop this nightmare of events I have been subjected to since XX/XX/XXXX. 
I truly feel that a review should be taken regarding the behavior and activities of XXXX XXXX XXXX and the record will show that I will prevail in proving deceptive trade practices and unlawful behavior beyond any series of complaints that you have received against a North Carolina collection agency and ask that you seek a temporary restraining order against XXXX XXXX XXXX from providing collections services at least in their dealings with XXXX XXXX XXXX so you can protect the rights of other consumers that have fallen under the cloud of lawlessness of XXXX XXXX XXXX and take into consideration their blatant disregard to N.C.State laws and U.S. Federal laws, please stop them from performing collection activities until you are able to secure accountability and complete an audit of alleged unlawful conduct.

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