Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I'd like to begin by stating that with every dispute and or complaint given I am keeping all documentation including the company 's rebuttal 's in means to having all evidence for a law suit if needed.

This is the 4th Letter I've written in regards to an incorrect and faulty account on my Experian Credit file. Experian CLAIMS that I asked for a re-investigation, which I did not. I sent in two dispute letters regarding  the same creditor due to inaccurate information and updating from the creditor to Experian. Experian stated they would remove the account and then claims I asked for a re-investigation and the creditor verified it was mine. I find this quite disturbing seeing as though the Experian received the same information from the creditor XXXX XXXX the initial investigation as well as the re-investigation ( which please make note that XXXX XXXX is still to this day not able to provide any actual hardcopy of a contractual agreement with signature between myself and their company nor actual proof of an application signed by me. ) This is against the FCRA law with the faulty business tactics by still reporting charge offs and lates AFTER the account being closed since XXXX, the account being past the statute of limitations for Nevada, as well as wrong and inaccurate information being reported. All of the above are clear issues and inaccuracies and by FCRA law needs to be removed from my credit file immediately. 

On XX/XX/XXXX I received a response from Vice President XXXX XXXX from XXXX XXXX XXXX in regards to my last complaint submitted. In the letter Mr XXXX states that " XXXX XXXX   worked with XXXX to prepare the response as part of XXXX ' standard oversight of XXXX XXXX. '' Please note that I have already previously spoken to a XXXX representative in regards to the account # XXXX. In that conversation the representative stated that " XXXX had nothing to do with Credit reporting as to them being solely the Bank/Backing for XXXX XXXX XXXX and that all disputes and information would have to go through XXXX XXXX directly. '' Mr XXXX then goes on to state that " XXXX XXXX has only ever reported this single account to Experian and the other credit bureaus. The attachment to the complaint is not provided by their company and they therefore can not address my claim that XXXXn ( which is now showing 8 ) chargeoffs have been reported on my account. '' I find this rebuttal from Mr. XXXX very funny, tacky and absurd on top of being a blatant lie, because it's clear as day that their company is the one reporting the incorrect information because THEIR company ( XXXX XXXX/XXXX XXXX ) is the one listed on my credit file that you'll find attached clear as day! Mr. XXXX then goes on to state that " their credit reporting has been accurate and in the absence of a reason why their credit reporting of the unpaid balance would have been inaccurate, they are therefore unable to submit a request to the credit bureaus to remove the account from my history. '' In rebuttal I have attached my credit Experian Credit file to this letter to show and PROVE that XXXX  XXXX/XXXX XXXX has been consistently reporting incorrect and fraudulent information to my credit File. Also again please note that as requested I asked for verification of the account belonging to me with something with an actual wet signature and nothing has been provided. Secondly please be aware that in the State of Nevada the Statute of Limitation is 4 years in which this account has been past since XX/XX/XXXX. Thirdly again under the FCRA LAW and as a consumer being able to exercise my rights please be clear that this company is not following the FCRA guidelines or rules in which ALL information reported by a creditor needs to be up to date, correct and true in which this Creditor has not been and is unwilling to follow the law. XXXX XXXX has been reporting out of date, fraudulent and incorrect information to my credit file since XXXX and this item needs to be removed from my credit file within 15 days under the FCRA Law. Please see attached the letter from Mr. XXXX as well as my actual Experian Credit file showing the 8 chargeoffs and late 's and other incorrect information reported by XXXX XXXX/XXXX XXXX  after the account being closed on XX/XX/XXXX. 



This creditor needs to be removed by law from my credit report now within 15 days of this letter. If this problem is not resolved and actually looked into correctly I will be contacting the attorney general. Thank you. 

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