Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX - filed a FRAUD PACKET dispute with EXPERIAN, with FTC reports attached regarding continued reporting of fraudulent information on my credit report via EXPERIAN. This is a NEW COMPLAINT against EXPERIAN for their misleading dispute process and I have received great harm due to EXPERIAN failing to follow the FCRA regarding my credit information. I received a letter in the mail on XX/XX/XXXX from EXPERIAN that my dispute because of additional information would be extended to be completed on XX/XX/XXXX. I feel that EXPERIAN, DESPITE supporting documents, sent via mail with the [ EXACT SAME DOCUMENTATION requested in the new correspondence on XX/XX/XXXX ], refuses to correct the information as per law in the FCRA, and continues to validate the fraudulent information. As of XX/XX/XXXX, EXPERIAN Consumer Relations has continued to verify OLD, and FRAUDULENT postings to my credit report. These items have been removed by the other credit bureaus but EXPERIAN continues to violate my FCRA rights by VALIDATING fraudulent reporting from an unscrupulous and predatory lender, XXXX XXXX XXXX XXXX XXXX XXXX UT ) and refuses to remove OLD and OUTDATED information from my credit report regarding XXXX XXXX DEALER SERVICES. I have reached the point of exhaustion trying to resolve this issue with EXPERIAN via the dispute process. I have mailed, called, and submitted online disputes with supporting documentation to have the items removed ( they are not on my other credit reports- as reported by EXPERIAN ), and the representatives at EXPERIAN are RUDE and DISRESPECTFUL when I call in to get any information on my report. Since XX/XX/XXXX, I have followed all the proper legal procedures in submitting disputes to EXPERIAN in regards to removing the FRAUDULENT REPORTING ITEMS and OLD-REAPPEARING information. To this date EXPERIAN refuses to do so. It should be noted that several recently filed litigations against EXPERIAN for these very actions of Willful Negligence, and I too have fallen victim to their lack of care in regards to ACCURATE credit reporting. The First item to be removed are any and all reporting from a fraudulent creditor - XXXX XXXX XXXX XXXX - an FTC report has been filed regarding this fraud and EXPERIAN fails to acknowledge the law enforcement document information. I have filed FTC and Nevada AG reports against XXXX XXXX XXXX XXXX, and both of my complaints have been received and are being reviewed by these law enforcement agencies. This creditor RE-AGED, ADDED FALSE LATE PAYMENTS, and on a car loan account THAT WAS CLOSED and showed PAID AS AGREED prior to my disputes. The fact that, XXXX ( XXXX XXXX / XXXX XXXX ) changes the reporting due to RETALIATION for filing disputes against them for fraudulent reporting can be noted on the XXXX XXXX XXXX report. Since XX/XX/XXXX, EXPERIAN continues to validate this FRAUDULENT information from XXXX as ACCURATE, when the supporting documentation SHOWS CLEARLY this should be deleted. 

The Second is XXXX XXXX XXXX XXXX XXXX XXXX NC ) ( CFPB Complaint # XXXX XXXX ) - which has been removed from my credit report as of XX/XX/XXXX. I have provided EXPERIAN with supporting documentation showing XXXX XXXX is not collecting the debt and therefore the item should be removed. I have also provided credit bureau documents and the CFPB results showing the item removed. EXPERIAN refuses to comply. I am filing this claim against EXPERIAN to remove the items that I have disputed with them once and for all. If EXPERIAN fails to comply with the FCRA and continues to violate my FCRA and FDCPA rights by robo-validating through e-Oscar, FRAUDULENT REPORTING and OUTDATED/DELETED items - which have caused me great harm I will be forced to escalate my complaint to possible legal action for relief from the credit reporting abuse I have faced in dealing with EXPERIAN.. From loss of employment and housing opportunities, to not qualifying for financing that otherwise, due to EXPERIANs negligence I would be approved for, I blame EXPERIAN for their actions in their misleading dispute process - causing me great harm. It should be noted that on XX/XX/XXXX - a similar situation with EXPERIAN was resolved by the CFPB ( Complaint ID # XXXX - regarding fraudulent information appearing on my credit report - which after filing the CFPB complaint - the item was removed and EXPERIAN responded to the CFPB publicly in the matter. 

Experian continues to use STALL TACTICS on re-investigating disputes via mail, phone, and especially lack care for online disputes. 

I charge the following complaint to EXPERIAN for the reasons below : EXPERIAN FAILED TO FINALIZE THE FOLLOWING : XXXX. CLOSING OF XXXX XXXX XXXX XXXX - ( CLOSED then REPOSTED AS OPEN??? ) 2. FAILURE TO PROVIDE UPDATE ON REQUESTED CREDIT FREEZE REMOVAL. 3. FAILURE TO PROVIDE CREDIT REPORT TO AUTHORIZED INQUIRY 4. FAILURE TO UPDATE ON DISPUTE STATUS ( ONLINE, MAIL, PHONE ) 5. FAILURE TO REMOVE CREDIT FREEZE AFTER SPEAKING TO SPECIAL INVESTIGATIONS AT EXPERIAN BECAUSE A PHONE AGENT DID NOT REMOVE THE REQUEST CORRECTLY. 6. FAILURE TO PROVIDE ONLINE ACCESS TO CREDIT REPORTS AND SCORES ( REQUIRE FEE - INFORMATION NOT AVAILABLE ) 7. POSSIBLE ID THEFT AGAINST ME FOR FAILURE TO REMOVE CAR LOAN ( XXXX ) after REPORTED OPEN FRAUDULENTLY - after ID information sent as requested by EXPERIAN and no CLEAR response provided nor given to my the actions taken to actually manually verify and correct my information after my DISPUTES. I ask that the highest level of care be provided in this complaint against EXPERIAN because EXPERIAN continues to flout the FCRA and has no regards for ACCURATELY reporting my correct and true data- and refuses to provide any information on the steps they have taken in regards to my disputes. Thank you - XXXX XXXX XXXX - Claimant

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