Consumer complaint received 2020-05-07
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof ) of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.

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