Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX my flawless credit report was maliciously attacked by a Experian representative. A few months ago I have made a complaint through CFPB due to the agency not reporting my actual amount paid every month and was never resolved. Instead I received multiple remarks about disputed by consumer from the agencies. I can not recall if this had happened to my Experian report however, I decided to call all three and ask for these comments to be removed. Upon talking to the representative I was told to disclose my social security number which was verified and moving on into the conversation the representative said there was a lot of background noise and she could not hear me clearly. I stated I did not have speaker on and that I was commuting on a train. Suddenly she decides to ask me to verify my social security number again ( which I assumed was intentional because she thought it was funny as I was in public transit vulnerable to identity thieves ). I uncomfortably repeated my social security number AGAIN. Further into the conversation I asked her to remove all dispute comments from my report that probably wasn't there in the first place but told her I assumed there was because it had happened to my XXXX report. She told me there was no comments except for XXXX XXXX XXXX and I said okay that's fine forget it then. She put me on hold twice ( which I can safely assume she was talking to somebody to see how they could attack my credit report. My report now shows " This item was updated from our processing of your dispute in XX/XX/XXXX '' for my XXXX XXXX and XXXX accounts. As well as " This item was updated from our processing of your dispute in XX/XX/XXXX '' for my closed XXXX XXXX XXXX account and open XXXX XXXX accounts. I clearly stated that if it was fine leave it alone, but I guess she took it upon herself to deliberately sabotage my credit report. I pray to the lord that this call was recorded because this woman should be put to jail for at least 6 months and her supervisor. Please do ask for a recording of this incident before providing the details of what I said happened just in case they do something shady with it to cover their XXXX. ALSO every single account on my credit report now displays ( Your Statement " Y ITEM DISPUTED BY CONSUMER " ) My credit score took over a 100 point deduction because of this and it should be illegal what she and I assume her supervisor did to me. I admit I had kind of an attitude in the beginning of the call around the time she said there was background noise, but this is no way to retaliate to a good samaritan. I would also like to add my XXXX XXXX XXXX charged off account was suppose to fall off the report XX/XX/XXXX and I assume they must of did something to some how extend it to XX/XX/XXXX. The purge was supposed to be 5 years according to NYS and I remember making a call asking them and they told me XX/XX/XXXX so it better had not extended. Also I would like to say this is corruption at it's finest.

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 non-monetary relief