Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Missouri XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX  account status as derogatory, Experian account status as Closed, XXXX  account status as derogatory, so 2 credit agencies are reporting as derogatory, but Experian reporting as closed, which means not derogatory. As a creditor, you can not report different information between credit agencies, which is a violation, so delete this account immediately. Secondly, XXXX  reporting a high credit of XXXX, Experian reporting a high credit of XXXX, and XXXX  reporting a high credit of XXXX, you can not report different credit limits between agencies, so delete this account per violation. Third, XXXX reporting payment status as collection/ charge off & comments as transferred to another lender, Experian reporting payment status as late 120 days and Comments as purchased by XXXX XXXX XXXX XXXX , and XXXX   payment status as collection/ charge off and comments as consumer disputes. You are reporting different payment status, and comments between the credit agencies, which make this information invalid, and you are reporting this debt as it is due to you, but you stated it was sold. This is clearly a violation, delete this account immediately per violation. 

You can not report an account that you have no legal right to collect because, You do not have a verbal or original written contact with my bearing my signature on it, stating you have the right to collect. In addition, you are reporting the debt as sold. I have enclosed a snapshot of my credit report showing the reporting/ proof. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with bearing my signature and please do not reply with a copy of an copies of credit card statements, or information from third party collection agency, as this do not validate the right to collect and will not hold up in court.

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