Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN, XXXX AND XXXX AS WELL AS XXXX XXXX XXXX XXXX ARE INVOLVED HERE. 

THIS IS SO WRONG IN JUST LOOKING AT DATES ACCT CLOSED HAVE BEEN " SUPPOSEDLY VALIDATED..INVESTIGATED, REPORTED AS CORRECT ON 1 DAY OR DATE AND VALIDATED ... .THEN THE NEXT DAY ... NEW DATES THAT WERE SUPPOSEDLY VALIDATED AGAIN ON A NEW CLOSING DATE ... FROM XX/XX/XXXX TO XX/XX/XXXX, THEN XXXX XXXX THEN XX/XX/XXXX NOW XX/XX/XXXX CLOSED ... AND OBVIOUSLY ALL DATES WERE VALIDATED ... .ON AN ACCOUNT CLOSED BY ME. 

HOW IS IT EACH DISPUTE IS CLOSED OUT AS BEING ANSWERED OR RESOLVED ... .THEN WHEN I TRY TO RE DISPUTE IT ... SYSTEM DENIES ME. WHEN I ASK THEM TO PROVIDE ME PROOF THAT I DIDNT CLOSE ACCT IN XXXX THEY SAY THEIR INVESTIGATION CONCLUDED AND VALIDATED EACH MONTHS CLOSE DATE CHANGE. NOW HOW MANY TIMES CAN THE CONSUMER CHANGE WHEN HE CLOSED ACCOUNT ... .I ASK FOR WHAT PROOF OR A FILE DISCLOSURE ... .THEY NOT OF WHAT I SPEAK AND AM TOLD ITS THE SAME AS MY CREDIT REPORT. I HAVE SCREENSHOTS OF THIS WITH ALL 3 BUREAUS. 


I WAS SENT A LETTER THAT LIST THE CLOSE DATE AS XXXX XXXX XXXX FROM BUREAU... BUT ITS NOT LISTED ON MY REPORT AS SUCH ... AND HAVE ALLOWED CREDITOR TO POST NEGATIVE INFO ABOUT ACCT AFTER ITS CLOSED... .THEY CHG CLOSED DATE SO THAT THEY CAN DO THIS. THEY DELETE INFO ON RECORD AND ONLY HAVE LATEST INFO REPORTED SO AS TO CONTINUE VIOLATING XXXX BLATENTLY. NOTHING IS DONE ABOUT THIS. 

TRYING TO BUY HOUSE. SINCE IVE BEEN TRYING TO FIX ... RATES HAVE NEARLY DOUBLED ... CAN I SUE EACH OF THEM FOR THOSE MONIES IM NOW LOSING OR HAVE TO PAY EXTRA BECAUSE OF THEIR VIOLATIONS... THE STRESS IT HAS CAUSED MY FAMILY AND I. 

I RECIE ED A LETTER FROM ONE BUREAU THAT STATES " FILE DISCLOSURE REQUEST '' THEN IMMEDIATELY SAYS THIS IS FOR A COPY OF YOUR CREDIT REPORT. SO THEY CAN NOT SEND MY FILE DISCLOSURE WHICH THEY CANT COVER UP OR EXPLAIN DISPUTES BEING CLOSED THAT ARENT ANSWERED ... DATES BEING CHGD TO ALLOW NEGATIVE INFO TO BE PUT ON MY REPORT. THERE ARE OVER 30 SCREENSHOTS IM ATTACHING. THIS IS SO BLATENT AND THEY GET AWAY WITH THIS. 


SO.. THERE ARE 5 DIFF ACCOUNT CLOSING MONTHS THAT THE CREDITOR HAS VALIDATED AND PROVED TO YOU ... XXXX ... I WANT TO SEE THEM ALL. 

THEY HIDE IT BY NOT GIVING OR ALLOWING US ACCESS TO SEE WHAT IS BEING PROVIDED TO BUREAUS AS PROOF THEY WONT ... .IM GOING TO FILE AND SUE FOR DAMAGES AND MONETARY AMOUNTS THAT INCLUDE DAMAGES OF LOST INTEREST RATES ... STRESS PAIN AND SUFFERING... .AND WANT TO START A COMPANY THAT TAKES THESE CASES AND SUE THESE BUREAUS FOR THE REAL DAMAGES THEY CAUSE IN PEOPKES LIVES THAT THEY DONT CARE ABOUT AND DO PURPOSEFULLY AND WITH MAL CONTENT. 

THEY DO NOT FOLLOW 90 % OF THE RULES THAT THE FCRA SAYS THEY ARE SUPPOSED TO. 

PLEASE TELL ME HOW THESE THINGS ARE ALLOWED ... .HOW ARE THESE ACCOUNT CLOSED DATES VALIDATED FOR 5 DIFF MONTHS. BUT THEY SAY THE CREDITOR PROVIDED THEM WITH VALID PROOF .... MY FAVORITE THE ONE THAT SAYS " DATE OF 1ST DELINQUENCY XX/XX/XXXX '' BUT THERE IS A LATE PAYMENT IN XX/XX/XXXX LISTED. ALSO SAYS ACCT OPENED IN XX/XX/XXXX... DIDNT RECIEVE CARD OR MAKE FIRST PURCHASE TIL XX/XX/XXXX... LOL WOW ... REALLY

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