Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
This is an ongoing dispute that XXXX continues to report on my personal consumer report while two accounts belong only to a business. This a complete violation of my consumer rights and it is unacceptable for them to continue to report to my consumer report inaccurately. Here are my letters explaining the violations. I have also added these letters to the online dispute to each credit reporting agency.

I have recently tried repeatedly to dispute two accounts that are being reported from XXXX in which is known to be XXXX XXXX XXXX bank. There are two accounts reporting that are completely business accounts and that have also been settled. Please note that these are BUSINESS ACCOUNTS! XXXX XXXX XXXX Bank is reporting these accounts on my personal credit as paid settled debts to continue to willfully defame my character on my credit report. 
" A business '' is the owner of two accounts ending in XXXX and XXXX ( please see attached document showing paid settlement agreement ). Account ending in XXXX was paid and settled with " a business '' on XX/XX/2022 in the amount of {$3500.00}. Account ending in XXXX was also paid and settled with " the business '' on XX/XX/2022 in the amount of {$2400.00}. Please notice that my name is nowhere on this account as a responsible party or on the paid settlement documents. 
XXXX XXXX XXXX Bank has reported to the CFPB that they have listened to a recording, which I am sure does not say that I agree to be the responsible party to either of these accounts. All verifications are supposed to be an original document in writing with my signature to be considered verified! Please see all violations that have occurred regarding these accounts on my consumer report. 

This notice is to state that XXXX is in violation of several consumer right laws. 
1. In pursuant of 15USC 1681a ( 1 ) I have the right to accurate and fair credit reporting!! These accounts are not reporting accurately nor are they reporting fairly on my consumer report. According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies are supposed to respond to my disputes within 30 days with PROOF OF ACCURACIES WITH SIGNATURES and so far, I have only seen that my consumer report has been updated several times only based on a response from XXXX that was not in writing, nor was I provided the acceptable proof needed for either account. This violation is also based on FCRA 605 ( c ), the running of the reporting period that is occurring on these accounts. These accounts are now re-aging each time based on the last activity XXXX is reporting, again, INNACCURATELY to the credit agencies!! This is being done willfully to defame my character and to keep my consumer report at a very low score interfering with my ability to pursue a loan or anything else I would like to do in the future. Based on 15USC1681 ( a ) ( 4 ), consumer reporting agencies need to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy and 15USC1681 ( b ), consumer agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I demand these accounts to be removed from my consumer report and blocked during the investigation period and thereafter as well, unless there is sufficient written proof that I am responsible for these accounts in any way provided to me. At this time, that proof has not been provided to me nor the credit agencies because no such proof exists! Please note, AGAIN, that attached are letters of PAID SETTLEMENT CONFIRMATIONS that came directly from XXXX XXXX XXXX XXXX addressed to " the business '' for both accounts. 

2. Furthermore, these accounts are also reporting very differently on each of the credit agency reports at the time I pulled them. This is likely the reason XXXX has been updating the reports recently still inaccurately. They are still not consistent with each credit reporting agency. For this reason, as well, both accounts should be deleted and blocked from reporting on my consumer report again. Please note that this is also a violation of 15USC 1681a ( 1 ) stating that my consumer report should be accurate at all times since the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system. For this reason, reporting inaccurate information on my consumer report makes it difficult for me to obtain future loans. This is clearly unfair. I have said this each time that Ive called the credit agencies as well as XXXX and have gotten nowhere. This is UNFAIR to me as a consumer! I am now stating this in writing! This will also be sent to the CFPB as well as the NC Attorney General. 
3. If inaccurate reports from XXXX and the credit agencies willfully continue to report inaccurate account information for these XXXX accounts with XXXX ( accts ending in XXXX & XXXX ) on my consumer report, I will be pursuing litigation seeking relief and monetary damages that I may be entitled to under FCRA Section 616 & Section 617. These accounts must be deleted immediately. A copy of this letter as well as copies of the paid debt settlement letters for each account, the inconsistent report details on my consumer reports, as well as the CFPB complaint filed and unsatisfactory response from XXXX XXXX XXXX BANK will all become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with the demand to provide proof of accuracy for these accounts on my consumer report. Despite several calls and online disputes to the credit reporting agencies, the unverified items still remain on my credit report in violation of Federal Law beyond the 30-day investigation period resulting in my requesting a 3rd investigation in attempt to dispute the inaccurate information. You are required by federal law to have a copy of the original creditors documentation on file to verify that this information is mine and correct. In the results of the investigations of my disputes, you stated in writing that you verified that the accounts are being reported correctly. If XXXX reported that to you, where is the original signed documentation you received from XXXX as verification? You have not provided me with a copy of ANY documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to PROMPTLY DELETE all information which can not be verified from my consumer report! 

The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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