Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Recently, I filed a complaint with this agency as to false, fraudulent, inaccurate and misleading information Experian credit reporting agency was reporting on my Experian credit report. Specifically, a creditor, XXXXXXXX XXXX XXXXXXXX. Experian was reporting this creditor that was included in a bankruptcy in XXXX as charged off, written off and past due as of XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX with a balance of {$9200.00}. This false an inaccurate statement by Experian just started in XX/XX/XXXX. Doing this, Experian caused my fico score to drop XXXX points, from XXXX to XXXX, which caused me to pay higher insurance premiums, be denied credit card increase requests and credit denials. Since my XXXX complaint with your agency, dated XX/XX/XXXX then again with additional evidence and information on XX/XX/XXXX ( see attached two complaint ID # s ) Experian representative XXXX XXXX, a Senior Regulatory Affairs Associate wrote back to the XXXX  on XX/XX/XXXX ( see attached letter dated XX/XX/XXXX ) that Experian has contacted the creditor in question, confirming the creditor was included in a bankruptcy. XXXX XXXX goes on to say, Additionally, our records indicate that we have contacted the creditor to verify the accuracy of the information which the consumer disagrees. The disputed information was verified as accurately reported and confirmation was mailed to the above named consumer for review. This information of verification of accuracy of reporting from XXXXXXXX XXXX XXXX XXXXs written off, charged off, past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a balance of {$9200.00} was somehow accurate and verified was a lie! This response was 100 % false and deliberately misleading. ( see attached outcome by Experian as to This item remains unchanged from our processing of your dispute in XX/XX/XXXX. After receiving this message, knowing the response was untrue and Experian continued to report this inaccurate, misleading information and responding the information will be unchanged, I filed a complaint with the your agency against Experian. Two complaints combined into one, 1st complaint ID # XXXX on XX/XX/XXXX and prior ID # XXXX filed on XX/XX/XXXX. A parallel investigation with the XXXX XXXX XXXX was also conducted. With the now abundant amount of additional evidence provided by me to you and the XXXX, on XX/XX/XXXX I received an email notification update status from Experian. ( See attached screenshot of now, this disputed creditor, XXXX XXXX  was deleted and removed from my Experian credit report.. Then on XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX Senior Regulatory Affairs Associate wrote to the XXXX  ( see attached screenshot of letter ). XXXX XXXX replied, Our records indicate the disputed information does not appear on the consumers current Experian credit report. We have mailed a copy of the current credit report directly to the consumer for review. 
No explanation as to why did the Senior Regulatory Affairs Associate 1st responded with a false statement, response as to Experian contacted the creditor, verified and confirmed the accuracy of the disputed claim of mine with a balance of {$9200.00} and is updated as past due, as of XX/XX/XXXX and this item will remain unchanged?? But, when challenged with additional evidence, this Senior Regulatory Affairs Associate now just submits a recent response of The disputed information does not appear on the current consumers Experian credit report to the XXXX  dated XX/XX/XXXX. This dispute of false and misleading information on my Experian credit report only, not XXXX or XXXX, just Experian is reporting this suddenly in XX/XX/XXXX destroyed my good credit of XXXX to XXXX by this false, misleading and fraudulent information of a debtor, XXXX XXXX  XXXX as accurately reported with a balance and past due as of XXXX, XXXX and XX/XX/XXXX it unacceptable, false and fraudulent reporting by Experian then when the consumer tries to dispute false information, the most senior Experian official, XXXX XXXX XXXX, the Regulatory Affairs Associate concurred with a false report of verified information and confirmed as accurate is alarming as this person is a Regulatory Authority person, in charge of compliance and verification of such claims, its just outrageous. Im filing this complaint now directly to Experians Regulatory Affairs Associate, XXXX XXXX XXXX as to this incident. I want a full explanation of her actions as to Experians verification and confirmation and response as reported as accurately with additional details on credit report that the disputed item will remain unchanged. Then, her response as to now suddenly changing the status to It doesnt appear on the consumers current Experian credit report Why the change, why just a general response as the disputed item does not appear currently. This is either ignorance or neglect from a Senior level Regulatory Associate, trusted to insure integrity, compliance and transparency with the American citizens and consumers in securing their privacy and security is being protected and accurately reported. If Experians Regulatory Affairs Associate is unwilling or will not provide a satisfactory, comprehensive response, Im asking the bureau to investigate Experian and its employees for non compliance practices and possible violations per the governments oversight committee. 

Respectfully Submitted, XXXX XXXX

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