Consumer complaint received 2022-04-28
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:
This complaint has to do with the way that Experian has handled my disputes regardingincorrect or false data provided against me by XXXX XXXX XXXX XXXX XXXX XXXX. 
Starting on XXXX XX/XX/XXXX, XXXX XXXX Vacations started submitting false ( incorrect ) data to Experianin retaliation for my seeking legal assistance against them for their using fraudulentinformation about their services in order to get me to buy their timeshares. I had two loanaccounts for timeshares that I purchased in XX/XX/XXXX and XX/XX/XXXX, however, XXXX reported this accounts to Experian until the date following their receipt of a XXXX Desist ' Letter send to them by my lawyers on XXXX XX/XX/XXXX. 
During the past 10 monthsthat I submitted disputes and documentation to Experian to correct false or incorrect data provided by XXXX XXXX XXXX XXXX XXXX XXXX Experian has not used the information thatI provided to support my allegation that XXXX had purposely provided false or incorrectinformation for the purpose of affection my credit standing ( score ). They have ended my disputes after asking XXXX whether the negative information that they had provided about me was correct, and XXXX responded that it was. Experian did not review the supporting documentation that I provided to them which showed that the negative information that XXXX had submitted to them about me was false or incorrect. Attached are documents titled XXXX XXXX Law Violations- Wrongful Reporting of Debt ', and XXXX XXXX XXXX - Loan History Statement - XXXX XXXX XXXX that shows the following : - on XXXX XX/XX/XXXX XXXX sent a report to Experian showing that I had three loan accounts with them when I actually hadt wo accounts, as explained above. 
- on XXXX XX/XX/XXXX, XXXX reported that on this date, Iwas 30-days late on my payments, when their own Loan History Statement shows that I was 30-days late on XXXX XX/XX/XXXX. In other words, by XXXX XX/XX/XXXX, I was already 90-days late on my payments. I stopped paying XXXX and sought legal help against the, when I realized that they had lied to me about the maintenance fees that I had to pay in XXXX for a timeshare that I traded, from XXXX XXXX XXXXXXXX to Hawaii. I entered into a contract, on XXXX XXXX, to trade the mentioned timeshares after XXXX promised that I would pay maintenance for the Hawaii timeshare only. However, a month after the trade contract was signed, XXXX charged me for maintenance for the XXXX XXXX XXXXXXXX and Hawaii timeshares. On XXXX XX/XX/XXXX, XXXX also sent Experian a false 'Debt Report History ' that showed that Ihad paid them until XXXX of XXXX, when the last month that I paid a monthly loan installment to them was in XX/XX/XXXX. 
- on XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX reported that Iwas XXXX, XXXX, and 120-days late, respectively, By XXXX XXXX, I had stopped paying XXXX for over five ( 5 ) months. The negative reports submitted by XXXX to Experian over a period of five months, caused my Credit Record to go down from about XXXX points ; a level that I had maintained over a period of 25 years, to about XXXX. This score prevails until today. 
The data that XXXX had reported to Experian about me was incorrect. For this reason, I placed a dispute on Experian over the incorrect data submitted by XXXX ( I submitted to Experian my bank statements where I showed that the last payment that I made to XXXX was on XX/XX/XXXX ), but Experian always ended their reports by stating 'We contacted the source of the information ( XXXX XXXX and they stated that the information that they submitted to us about you was correct. ' This meant that Experian failed to review and take into account the correct information that Isubmitted to them that showed that XXXX 's negative reporting data was incorrect. 
- on XXXX XX/XX/XXXX, I submitted to Experian a letter that XXXX had sent to me a few days before where my 'Loan History Statement ' with them was included that showed that I was 30-days late on one of my accounts with them on XXXX XX/XX/XXXX and not on XXXX XX/XX/XXXX, therefore confirming that their 30, 60, 90, and 120-days late reporting to Experian were incorrect. However, Experian, ended their alleged investigation by stating : 'We contacted the sourceof the information ( XXXX XXXX and they stated that the information that they submitted to us about you was correct. '. This meant that Experian failed to review the document that I had sent to them : XXXX XXXX Law Violations- Wrongful Reporting of Debt ', that included XXXX XXXX XXXX Statement ' on me was included. These documents confirmed that XXXX 's negative reporting to them about my debt was incorrect or false. 
The information that I have just presented to you that is supported by the two attached documents will show you that : -Experian 'Dispute Process ' is unfair and one-sided in that they never have taken into consideration the documentation that I have submitted to them that showed that XXXX 's negative reporting was based on false information, therefore was incorrect. - Experian has allowed false information submitted by an 'issuer ' for the whole purpose of damaging my credit standing to prevail, although my 'Dispute ' supporting documentation shows the contrary. 
As of today, I have submitted eight ( 8 ) disputes to Experian with documentation that proves that XXXX 's negative reporting were based on false or incorrect information, however, Experian has failed to review and accept the documentation that I have submittedto them a valid, and they have failed to remove XXXX 's false or incorrect reporting from my record, thus, they have failed to correct my credit standing. 
I request that you review this complain and the supporting documentation what I am submitting with it, and that you request Experian to conduct a fair and honest review of my the documentation that Isubmitted to them, and that you ask them to remove XXXX 's negative reporting from my report, and have them correct my credit standing. 
Thank you for your support. 
XXXX XXXX, XXXX ( Retired ) Service-Connected, Totally and Permanently XXXX Veteran

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