Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: ME
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:
Hello so yet again XXXX is still continuing to allow fraudulent reporting on my credit report all three credit bureaus are still doing it for XXXX   wants to add their own piece of XXXX to the little hole of things that they want to Dig themselves deeper than they already are, One they themselves are violating the fair credit reporting act and their debt collecting practices by allowing companies to continuously report fraudulent activity as well as fraudulent collections, one the collection company that XXXX took out on me As their secondary retaliation because the first one from XXXX XXXX XXXX removed it because they knew it was fraud then return turned around and opened the new one with XXXX XXXX XXXX, One they are listing it on my credit report higher than what the paperwork they sent me even states to their including fraudulent charges at XXXX did leading up to 5 to 6 months ahead of time, they state that I had XXXX service until XX/XX/XXXX if not later than that, The fact is I switch to XXXX on XX/XX/XXXX between me and my wife we paid over XXXX upfront XXXX of that alone was cash that paid off two devices upfront because with our credit they wouldnt let us switch unless the bill was lower, Then not even two weeks later XXXX was trying to bill me from service from XX/XX/XXXX to XX/XX/XXXX of XX/XX/XXXXfor over XXXX, fraudulent charges how was I being charged for service when I didnt have them yet, when I contacted their customer service they either hung up on me or refuse to do anything to the point where I was XXXX done with it, I reported them to the XXXX   XXXX XXXX for what they did and in return they retaliated against me and placed a collection on me while they were still charging me for a service that was included on that collection which was by XXXX XXXX   XXXX on behalf of XXXX,I reported them to the XXXX   XXXX XXXX for what they did and in return they retaliated against me and placed a collection on me while they were still charging me for a service that was included on that collection which was by XXXX XXXX XXXX on behalf of XXXX, when I submitted a complaint about it they turned around and they deleted the account and sent it back to XXXX XXXX in return was still charging me for service while I wasnt even using them anymore, when they started this in XX/XX/XXXX I switch to XXXX XXXX and have been using it to this day so I want to tell me how they were trying to charge me for over XXXX worth of service that lead all the way up to XX/XX/XXXXwhen I wasnt even using them since XX/XX/XXXX when I only had them for less than a month, XXXX XXXX XXXX XXXX has harassed me and committed fraud discrimination and threatened me multiple times, One as stated listing a higher balance on my credit report in the first place then what the balance even was that theyre trying to say it is thats considered a violation of the fair credit reporting act because the listing a higher balance than what theyre actually trying to tell me its for, Two theyre sending me emails harassing me and yet they say according to their records I told them they could communicate with me there I never told him nothing I dont give my email address out XXXX debt collecting companies ever, The fact that theyre trying to state that their record states that I told them they could communicate with me that way thats considered fraud harassment discrimination and bullying as well as falsifying information to try and make it look like I said they could contact me there I did not tell them that nor would I ever, I reported all three credit bureaus Before for allowing fraudulent reporting they continue to do so and ignore anything that I say and just keep saying everything is verified as accurate, funny how Ive had so many times that they verified XXXX is accurate that its turned around when I contact the company myself with the evidence I have and threaten to sue them back into the XXXX which they XXXX XXXX XXXX  and they turn around and they remove it so the credit bureaus are refusing to do anything through this XXXX day to fix any of the issue as well as continuously allowing things to be verified is accurate when they are not accurate at all, as we speak XXXX XXXX XXXX is still being disputed on my Experian and my XXXX   XXXX credit report XXXX had removed it And are now allowing them to put it back up there again which they are changing dates on it which is Called aging credit and its illegal, The first one XXXX XXXX has also allowed an XXXX being mostly to blame at this moment for it to try and change the date of them trying to say when the delinquency started so I screenshot of it in case they try to XXXX change it because they try to cover their tracks like they tried before but I make sure I document and save every piece of XXXX documentations, but they are saying that first day the delinquency was XX/XX/XXXX kind of funny I switched to them on XX/XX/XXXX XX/XX/XXXXof XX/XX/XXXX to be exact so that makes no sense that right there is called fraud nice job XXXX, when I saw that I called XXXX I said I wanted to speak to a XXXX manager I was put on hold three separate occasions and told that none were available to talk to me which tells me they were telling me to go XXXX myself because theyre ignoring me when I threaten to sue them for allowing fraudulent reporting to continue, and as for all three credit bureaus on more violations XXXX XXXX XXXX XXXX on all three credit reports One they are lying about what day they took the car they are lying about what the actual balances they are lying about the fact that they took payments and charged me multiple times for the same month and kept raising the balance and I have proof of that and I plan on suing XXXX and for all three credit reports allowing that continued discrimination against me I will be showing all three bureaus because of that for the same item, Not to mention they allowing XXXX to continuously change dates that they receive payments onto saying they didnt receive payments on so they can try to affect my score more while they sit there and allow it to happen, not to mention they started deleting time frames on The count for XXXX XXXX XXXX XXXX by allowing them to change listed dates and information to no information or unknown so that they can continue to report fraudulently, note I have saved everything shows the original and then how they keep changing the payment days and XXXX   out date status And much more, XXXX XXXX XXXX XXXX also tried to say months after they reported that I gave them money or that I refinanced or renew the contract so if I did any of that then how come I dont have the car if I refinanced it or renewed it, also funny how they took out an over $3000 extended warranty on the vehicle after they rebuild it and they put it in my name that I never signed anything for which is called fraud not to mention the fact that they stole all my personal items from the vehicle and to this day they continue to go back-and-forth trying to lie to me and say call the repo man the repo man tells me XXXX has a cause they dont have a key to get in the car on the XXXX does, so another words all my personal property in the car XXXX  committed a criminal offense and stole my property and never returned it, not to mention XXXX XXXX XXXX XXXX  stated that they auctioned the vehicle off funny how the same time they said they auction the car off I had found it at a car dealership called XXXX XXXX XXXX   XXXX, found it through the Vin number and will contact at the dealership pretending I was someone else to get information on the car they told me it had been given to them in a trade so they could sell it for the person that gave it to them so XXXX XXXX XXXX XXXX   never auction the car off instead they gave it to a XXXX  XXXX to sell it for them committed a crime by falsifying a auction of the vehicle as well as theft of my property that they continue to say they never had but funny how I know everything that was in there and I will make a list and Im going to sue them for every item that I dont receive back as well as the fact that I am going to sue all three credit reporting bureaus for allowing the fraudulent reporting to continue and them allowing them to raise the balances when I was making payments on time, kind of doesnt make sense how I paid almost XXXX for two months when the payments were XXXX a month but yet I paid more than two months and yet ended up paying almost for three months tell me how that makes sense and that they kept raising the balance when receiving money I have proof of that too so XXXX my XXXX XXXX, As well as the fact an XXXX XXXX   XXXX XXXX took out a collection on me the credit bureaus are allowing them to still report a balance due when its a violation of the fair credit reporting act and fair debt collection practices when any company takes a collection on you by selling it to a collection company they are no longer allowed to report a balance do it is to be XXXX out they can say what the balance was when it was closed charged off but they cant continue to report a balance due on an account that was sold to a collection company and I have evidence that it was sold to a collection company so I will see you for that as well cause its called more fraudulent reporting and more violation of the fair credit reporting act against all three credit bureaus, as well as the fact in XXXX XXXX XXXX   XXXX took out a collection on me the credit bureaus are allowing them to still report a balance due when its a violation of the fair credit reporting act in fair debt collection practices when any company takes a collection on you by selling it to a collection company they are no longer allowed to report a balance due it is to be XXXX  out they can say what the balance was when it was closed or charged off but they cant continue to report a balance due on an account that was sold to a collection company and I have evidence that it was sold to a collection company so I will sue for that as well because its called more fraudulent reporting and more violation of the fair credit reporting act against all three credit bureaus, XXXX XXXX I had gotten a loan from them for a car before XXXX   XXXX XXXX XXXX I got the car in question from XXXX in XXXX now what they did not tell me when I got the car was that it was rusted underneath because they allow their employees to drive it during the winter soaking up all the salt and never washing it off upon going to get a sticker for the vehicle I saw the rust and was told that I would have to spend a decent amount of money to get that fixed, XXXX   XXXX  I had gotten a loan from them for a car before XXXX XXXX   XXXX XXXX I got the car in question from XXXX in XXXX now what they did not tell me when I got the car was that it was rusted underneath because they allow their employees to drive it during the winter soaking up all the salt and never washing it off upon going to get a sticker for the vehicle I saw the rust and was told that I would have to spend a decent amount of money to get that fixed I gave the car back to the same dealership I bought it at, they held the vehicle there for months upon months when they were supposed to call the bank and tell them that I gave the car back and they refuse to do anything note that I hadnt made any payments on the car yet because I hadnt had it long enough to owe any money on the vehicle, Dealership in question never told the bank and return XXXX XXXX  was harassing me 24 seven phone calls 24 seven mail threatening to repo the car that I had already given back long before this happened, The car dealership committed fraud because they know they had the car and they were mad that I gave it back so they refused to tell XXXX XXXX in the first place that I had giving it back instead XXXX   XXXX continue to harass me about that, XXXX XXXX and return tried to lie and say that I was paying it and then stop paying it I never made any payments to that vehicle besides the down payment that I made on my credit card, XXXX XXXX and all the credit bureaus are allowing XXXX   XXXX to report that I made payments in XX/XX/XXXX and XX/XX/XXXX funny how in XX/XX/XXXX that was when I bought a car to replace the one that XXXX XXXX was financing that I had given back prior, but yet XXXX XXXX is being allowed to report that I made payments on a month that one I bought a different car why would I give them money when I bought a different car so that theyre committing fraud by trying to make it look like I was making payments and then stopped now I gave the XXXX   back to the dealership before I made any payments on the XXXX  car but the credit reporting bureaus continue allow that to be reported as well as the fact that XXXX XXXX keeps changing the dates XXXX out dates are putting it as unknown data just like XXXX XXXX XXXX XXXX   so they can continue to report it by doing the illegal thing of credit resetting so they continue to report it when they XXXX out or make the data unknown so they can continue to report it past the limit, Not to mention all three credit reporting agencies are allowing XXXX XXXX  to commit the same criminal acts against me because they sold it to a collection company who is harassing me with phone calls and I stated before credit reporting agencies are not allowed to report a balance to do anymore when the account in question was sold to a collection company the balance due Hass to be XXXX out and I can put it as delinquent and have it at what the balance was but not any form of a balance due it must be XXXX out or its a violation of the fair credit reporting act and fair debt collecting practices again on their part,?Not to mention all three credit reporting agencies are allowing XXXX XXXX to commit the same criminal acts against me because they sold it to a collection company who is harassing me with phone calls and as stated before credit reporting agencies are not allowed to report a balance due anymore when the account in question was sold to a collection company the balance due Hass to be XXXX out and I can put it as delinquent and have it at what the balance was but not any form of a balance due it must be XXXX out or its a violation of the fair credit reporting act and fear deck elected practices again on their part, XXXX XXXX they committed federal crimes against me theft discrimination harassment and threatened that they were gonna XXXX me if I didnt make payments to them, When I told them yeah go ahead and do it everyone of my family cops and everything instead they turned around and committed a bigger offense then just threatening to XXXX me instead they raise the APR rate on past purchases which violates the fair credit reporting act and the fair debt collecting practices because they are not allowed to raise APR rate on past purchases only on future purchases which is a huge violation, XXXX XXXX   they also saw the account to a collection company because they started not calling me but calling an ex-girlfriends mother and sending and my ex girlfriends mother a 30 day notice with my name on it that they opened and saw all that information which is another violation of the fair debt collection practices in fair credit reporting act because by law they are not allowed to disclose any form of debt or supposed debt to anyone other than myself But yet they sent the 30 day notice to an ex girlfriends mother who opened it and called me about it and sent me a picture of it well thats a violation right there because the collection company they are using violated the fair credit reporting act and fair debt collecting practices by disclosing that to other people and sending paperwork to other people especially an address that Ive never lived that in my life, But that also comes down to another violation of the fair credit reporting act in for a debt collection practices youre sold the account to a collection company Which means XXXX XXXX  and all three credit bureaus are violating the fair credit reporting act out for a debt collection practices because if you sell an account to a credit collection company you no longer are allowed to report a balance do you can report a charge off but it Has to be XXXX   out and you can report what the balance was when It was charged off but you cannot report a due balance anymore it violates the fair credit reporting act in fair debt collection practices, XXXX  credit card XXXX XXXX XXXX XXXX  credit card, Did the same thing as XXXX   raise the APR on past balances Not future one when its against the Fair credit reporting act and fair debt collecting practices raise APR on past purchases and not future ones again thats all three credit bureaus are allowing it to be done, not to mention on the XXXX credit card by XXXX XXXX for the XXXX XXXX card I had called and reported fraudulent charges the only reason they never received any money in the first place was because they refused to fix it especially when charges were made in states that I have never been in, again XXXX XXXX XXXX credit card by XXXX XXXX they sold it to a collection company and yet again all three credit bureaus are allowing violations of the fair credit reporting act and fair debt collecting practice to continue To be violated because once you sell the account to a collection company you were no longer allowed to report a balance due it must be XXXX  out as stated you can report what the balance was when I was charged off however about you can no longer be reported by doing that and have Cell doing it to a collection company you were violating the fair credit reporting act and fair debt collection practices yet again while all three credit reporting agencies continue to allow these violations to continuously be reported and listed against me and refused to do anything as usual, to be violated because once you sell the account to a collection company you are no longer allowed to report a balance due it must be XXXX out as stated you can report what the balance was when was charged off however about you can no longer be reported by doing that and have selling it to a collection company you were violating the fair credit reporting act and fair debt collection practices yet again while all three credit reporting agencies continue to allow these violations to continuously be reported and listed against me and refused to do anything as usual, When I had XXXX XXXX listing on my account. when I had XXXX XXXX listing on my Credit report with all three credit bureaus they refuse to do anything kept saying the account was verified as accurate XXXX  kept saying it was accurate they werent taking it down blah blah blah, funny how it again when I took matters into my own hands and showed that XXXX in XX/XX/XXXX Filed a cancellation of debt to the IRS but yet continue to report I had a balance due which is another violation of the fair credit reporting act and fair debt collection practices while all three credit bureaus kept sitting there and saying it was accurate but funny how as usual when I take matters into my own hands I seem to solve them myself when the bureaus refuse to do anything remotely close to a thorough actual investigation,?Filed a cancellation of debt to the IRS but yet continue to report I had a balance due which is another violation of the fair credit reporting act and fair debt collection practices while all three credit bureaus kept sitting there and saying it was accurate but funny how as usual when I take matters into my own hands I seem to solve them myself when the bureaus refuse to do anything remotely close to a thorough actual investigation, When XXXX  XXXX out the accountant said payment was made I received a notification that said that the account was listed as current and then the credit bureaus turned around out of the balance to it again and put it as delinquent again another violation of the fair credit reporting act out for a deck collecting practices when they wrote off the debts and the credit reporting agencies continue to allow fraudulent reporting I have the IRS form that shows they wrote off the debt also shows that it was a different balance then with the credit reporting agencies are allowing to be reported which shows that XXXX was committing fraud by falsifying what the actual XXXX in balance was they were trying to say I owed, when XXXX  XXXX out the account and said payment was made I received a notification that said that the account was listed as current and then the credit bureaus turned around and added a balance to it again and put it as delinquent again another violation of the fair credit reporting act out for a deck collecting practices when they wrote off the debts and the credit reporting agencies continue to allow fraudulent reporting I have the IRS form that shows they wrote off the debt also shows that it was a different balance than what the credit reporting agencies are allowing to be reported which shows that XXXX was committing fraud by falsifying what the actual XXXX balance was they were trying to say I owed, and the fact that the bureaus or at least XXXX XXXX credit reporting agency I receive notifications when that count have been XXXX  out and was placed as current and then funny how the current status they try to delete it and put it as derogatory or delinquent again so theres another huge violation on behalf of XXXX XXXX for XXXX and Experian on that one they have yet to do a XXXX thing as usual, XXXX XXXX website no longer will allow me to dispute anything online they are denying me the ability to dispute online and upload supporting documentations it does not work I have tried multiple times I have a screenshot of their site telling me with my personal information I entered you no longer can Dispute online please call us or send mail so now theyre blocking me from submitting a dispute online Im not having that shit thats discrimination and harassment from XXXX thats another reason I can sue XXXX XXXX not just for allowing fraudulent reporting that violates the fair credit reporting act of fair debt collection practices but harassing me discriminating against me so that I cant dispute anything online anymore or upload supporting documents they are not allowed to deny someone to dispute something online at all, XXXX  as stated I asked to speak to a manager because they were putting an account that was deleted back on saying it was verified is accurate changing the dates and changing the date that theyre trying to say the first delinquency was when I had just switched to the service then kind of funny how I could be delinquent on an account the very month that I switch to their service went threatening to sue XXXX   for allowing that I asked to speak to a manager or I was going to contact the attorney general which they put me on hold and kept telling me two or three times that they were going to get me a manager to talk to kind of funny how no one wanted to XXXX talk to me that was in the manager position because they knew that Im XXXX done, Experian refuses to allow me to upload supporting documentation as well as lists my dispute has failed and that they do not have to allow me to dispute it again or upload any form of Evidence to support my dispute, I think that all three credit reporting agencies are going to get sued now because the violations after violations they commit themselves against me while allowing others to do the same its funny how every time I dispute something with them it comes back as verified is accurate but when I take matters into my own hands as I continuously state magically it turns around and comes off my report or itll come off my report and the reporting agencies will just put it back up there but its funny how I have thousands of pages of paperwork and screenshots and documentation and emails to back up every XXXX  thing I have stated the next step is Im just going to sue all three credit reporting agencies and every XXXX  company that is fraudulently reporting while the reporting agencies do no thorough actual investigation and sit there and XXXX XXXX XXXX all the way up to the XXXX machine, I will be contacting attorneys now because Im XXXX done and this is XXXX   and you guys that the consumer financial protection bureau dont seem to give a flying XXXX about actually doing anything yourselves to help me.

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