Consumer complaint received 2020-02-13
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:
This complaint is about my multiple disputes that I have initiated with Experian starting in XX/XX/XXXX. They have deleted all but 5 accounts that I have disputed. This complaint is about the final 5 accounts reporting on my credit report. 

They continue to report unverified, incorrect, and data in violation of the FCRA, and FDCPA. The data that they are saying is verified as accurate is in fact in violation of the FDCPA. There are XXXX collection accounts showing a past due balance. A collection account can not show a past due amount, being that it is a closed ended account, and by default is past due. By showing and updating a past due amount on a monthly basis, they and the collection companies are continuing to report inaccurate data, and violations directly on my credit reports, I can show on my credit reports where this is the case. 

They have also been showing incorrect information regarding the date opened, and date of last activity on these accounts. Which are further inaccuracies. 



The collectors have not adequately validated any of these debts to me, nor has Experian conducted a proper investigation, as they are required to by well-established case law, starting with The responses I have received are as follows. 



XXXX XXXX XXXX claims that they sent their standard validation package to me, which I never received, and yet they claim by their standards, that since there was no returned to sender that I received their validation package. They have no proof I did. If they wanted proof I received their letters, and validation info then the letters would been sent certified mail. Which I sent to them on several occasions, therefore I knew that they received the packages I sent to them. They are in violation of FDCPA by NOT providing me validation information within 30 days, and proof that I received it. 

XXXX XXXX XXXX XXXX sent over a statement, which in no way validates the debt, and is also a violation of my HIPPA rights, being that they had no right to see what my diagnosis nor procedures were. 

I then sent a dispute to Experian regarding several violation of the FDPCPA, as well as the FCRA violations, specifically the collection accounts showing a past due balance when in fact that is not possible due to the nature of a collection, they are closed ended accounts that by their very nature, are past due, and reporting a past due amount is doing double damage to my credit report, and scores. They have IGNORED the specifics of the disputes and have simply parroted what the collection agencies have reported. 









Today XX/XX/XXXX I called Experian to get an update on my most recent disputed and the individual I spoke to a supervisor told me on a recorded line that Experian does not conduct an independent investigation, that, they in fact only go by what the creditor, or furnisher sends them in their dispute through E-Oscar, whether or not the account is valid, showing data in violation, they simply parrot what the furnisher provides. XXXX admitted to violating FCRA, and they would continue to report inaccurate, and illegal data furnished by the creditors, if they creditor verified as accurate, and their investigation would go no further. They also stated to me, after sending over inquiry disputes that they dont look into inquiry disputed, this in fact is not true, and is a violation of FACTA, and further violations of FCRA. 

As stated before, case law has well established that the credit bureaus have a duty to go beyond the simple 2-digit code investigation that they regularly conduct. 

I am attaching the copies of my credit reports and disputes I have sent to the credit bureaus.

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 non-monetary relief