Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
State: NY
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 IS NOT A DUPLICATE COMPLAINT THIS COMPLAINT HAS FACTS, MORE/NEW INFORMATION AND ATTACHMENTS PLEASE PLEASE READ EVERYTHING VERY CAREFULLY AS WELL AS EVERY ATTACHMENT CAREFULLY LINE FOR LINE AND IT WILL MATCH WHAT MY DISPUTE/COMPLAINT IS WAS AND HAS ALWAYS BEEN I AM VERY CLEAR ON WHAT MY COMPLAINT IS AND I HAVE COUNTLESS ATTACHMENTS OF PROOF THIS IS NOT A COMPLAINT IN REGARDS TO IF THE ACCOUNTS BELONG'S TO ME 


The issue is not me having an account with XXXX XXXX XXXX I HAVE A PAID COLLECTION WITH XXXX XXXX, PAID COLLECTION ON BOTH ACCOUNTS ENDING IN XXXX AND XXXX that is NOT my dispute, so XXXX XXXX as well as the CRA needs to stop responding and saying the account is valid LETS GO LINE FOR LINE BASED ON THE ATTACHED CREDIT REPORT FROM XXXX and I will break down my dispute yet again very clearly, AGAIN I have a PAID COLLECTION FROM XXXX XXXX XXXX A COLLECTION AGENCY NOT A CREDITOR or a bank (XXXX DOES NOT GIVE CREDIT AS IF IT IS A BANK OR REVOLVING CREDIT BUT ITS LISTING AND ACTION ON MY CREDIT REPORT SHOWS AS IF IT IS) please follow along as I break it down, look at my credit report that is attached and follow along with my explanation and what i am saying. look at where it says account status, collection,that is incorrect, the way XXXX  is classifying this it is as if I was granted credit from XXXX XXXX they are even listed in the credit classification as banking which they are not XXXX XXXX is not a bank nor do they grant credit as if they are a bank or revolving credit account. Again I am not disputing the fact that I have a paid collection account from XXXX XXXX XXXX WHICH IS A COLLECTION AGENCY NOT A BANK, NOT A CREDIT CARD NOT A GRANTOR OF CREDIT SO IT SHOULD NOT BE LISTED AS account type OTHER or credit classification which says BANKING. XXXX XXXX a collection agency bought the debt from XXXX XXXX in XX/XX/XXXX with a XXXX   from XXXX XXXX In XX/XX/XXXX,look at the report it is clear as day and in black and white. the first time XXXX XXXX XXXX spoke to me and got in contact with me was XX/XX/XXXX and XX/XX/XXXX which I paid the collection account to a collection agency XXXX XXXX  NOT a creditor named XXXX   which on this reported it is listed as (I have attached proof that i paid this COLLECTION AGENCY) look at the section this account is under it clearly says,  Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements. XXXX XXXX XXXX is NEITHER, NONE of these classifications,now look where it says credit classification banking that is completely false and inaccurate now look where it says months reviewed 14 months which is completely false and misleading, XXXX  bought the debt from the O.C. in XX/XX/XXXX which it clearly shows, I DID NOT OPEN A REVOLVING, BANKING ACCOUNT WITH XXXX XXXX ON THAT DATE THEY ARE NOT THE ORIGINAL CREDITOR THAT GRANTED ME CREDIT, the first time we spoke was XX/XX/XXXXand XX/XX/XXXX to pay a debt that they bought NOT GRANTED from XXXX XXXX, this should not show reviewed for 14 months with a high credit, I never went into a monthly payment agreement with XXXX XXXX XXXX a collection agency I HAD A MONTHLY payment agreement with XXXX XXXX the original credit an actual bank that Grant's credit, which XXXX XXXX is not, XXXX XXXX a collection agency should not be listed as reviewing an account for 14 months as if they granted me credit (or I opened a credit account with them and agreed to making monthly payments with them which I did not again this is a collection agency that bought a debt from XXXX XXXX in XX/XX/XXXX, first time I spoke with them was XX/XX/XXXX and paid the debt which they bought from XXXX) looking at this credit report it clearly shows that I have a BANKING ACCOUNT (listed under credit classification banking) WHICH IS COMPLETELY FALSE, this is listed under other accounts with the description which it shows the definition of other accounts which this account from XXXX XXXX does not fall under this definition at all, look under summary and definition of summary again XXXX is the example I am using please follow along , I can not have a debt to credit ratio if I was not granted credit from XXXX XXXX XXXX look at the description under summary, the way this is reported and viewed on my credit report is as if I was granted credit from a bank named XXXX XXXX   in XX/XX/XXXX and for 14 months I did not pay and racked up a balance of XXXX and paid XXXX and they closed the account, which is completely false and innacurate, a collection agency should not be classified as banking which it clearly shows here on my report, it should not show account status collection, this is a paid collection ACCOUNT TYPE, I was not granted credit from XXXX XXXX that went into collections after being opened in XX/XX/XXXXwith 14 months of no payment, that's what this looks like and is reported and is also what potential creditors see when they pull my report(s), what this should have said from XX/XX/XXXXis XXXX XXXX a collection account type opened in XX/XX/XXXX, collection account status paid, NOT BANKING credit classification this is not a bank (XXXX the O.C. is the bank that I agreed to monthly payments with) this should not show monthly review 14 months I did not open a revolving credit card with XXXX  that is reviewed monthly based on monthly payment agreements (XXXX XXXX are the ones that granted me credit to be paid on a monthly basis) there shouldn't even be a section for debt to credit ratio as if this is a revolving or banking credit card I was not granted credit from XXXX so how can there even be a section for debt to credit ratio, XXXX XXXX XXXX IS NOT A CREDITOR, IS NOT A BANK THEY SHOULD NOT HAVE ANY LISTING OR DESCRIPTION OR CREDIT ACCOUNTING AS SUCH, Every single line in this credit report image I sent u is as if this is a credit account,reported balance, high credit, actual payment amount, months reviewed even date of first delinquency this is reported like a credit card, based on the actual definition of a collection agency also known as a debt buyer there is no Dofd with a collection agency (there is however one with a bank that Grant's credit to be paid on a monthly termed basis with high limits and debt to income ratios etc) again look at my credit report that I attached look what XXXX XXXX XXXX is listed under OTHER ACCOUNTS (now look at the description of other accounts, collections is not a listing or description for other account again this is NOT an account from a banking creditor named XXXX XXXX this is a collection AGENCY that bought a debt, NOT GRANTED A DEBT WITh MONTHLY TERMS AND HIGH CREDIT LIMITS AND DOFD) I HAVE BEEN DENIED CREDIT SINCE XX/XX/XXXX WHEN this collection agency NOT COLLECTION ACCOUNT bought this debt from XXXX but when potential creditors pull my report they see a credit classified as banking credit grantor named XXXX XXXX XXXX that I opened an account with in XX/XX/XXXX with a DOFD IN XX/XX/XXXX and for 14 months I did not pay which is completely false and innacurate on this report it does not state that XXXX XXXX is a paid collection agency it however shows XXXX as a banking credit grantor that is closed with a XXXX   balance and 14 months of being reviewed with a DOFD IN XX/XX/XXXX AND DATE OPENED XX/XX/XXXXWITH A HIGH credit limit and actual payment amount THIS LOOKS AND IS LISTED AS A BANKING CREDIT GRANTING ACCOUNT look.at every line on my attachments especially the credit report attachments, every line, every definition and example of description, I have been denied credit, jobs and apartments because it looks like i was granted credit from a bank named XXXX XXXX that went into collections reviewed monthly with high credit and a debt to credit ratio, there cannot be a debt to credit section (no matter what the amount is XXXX  or anything else) there cannot be an account status collection because the account TYPE is collection,I cannot have a debt to credit ratio from a collection agency I AM NOT DISPUTING THE FACT THAT I HAVE A PAID COLLECTION ACCOUNT FROM XXXX  THAT IS NOT MY DISPUTE SO THAT SHOULD NOT BE THE RESPONSE THAT I KEEP GETTING BACK, THE PAID COLLECTION ACCOUNT TO XXXX  IS NOT THE ISSUE THE ISSUE IS THE CLASSIFICATION, THE ACCOUNT TYPE, THE ACCOUNT LISTING ALL OF THE INFORMATION ON EACH LINE  WOULD BE VALID AND ACCURATE IF THIS WAS A BANKING CREDIT GRANTOR NAMED XXXX XXXX BUT THIS IS NOT VALID OR ACCURATE BECAUSE XXXX IS NOT A BANK OR REVOLVING ACCOUNT OR A CREDITOR IT IS A DEBT BUYER A COLLECTION AGENCY NOT A CREDITOR THAT GRANTED ME CREDIT AND WENT INTO COLLECTIONS FOR NON PAYMENT, THIS IS A COLLECTION ACCOUNT TYPE NOT A BANKING CLASSIFIED CREDIT ACCOUNT WITH A STATUS OF COLLECTION THESE TWO ACCOUNTS SHOULD BE DELETED IMMEDIATELY FOR FALSE REPORTING AS WELL AS NUMEROUS CREDIT DISPUTES WITH PROOF OF MY CLAIM WHICH ISN'T REALLY A CLAIM IF YOU LOOK AT THE CREDIT REPORT AND GO LINE FOR LINE BASED ON WHAT IS LISTED AND THE DESCRIPTION AS WELL AS THE ACTUAL DEFINITION OF A COLLECTION AGENCY AND NOT A COLLECTION AGENCY THAT IS PERPETRATED AS A BANKING CREDIT GRANTOR THAT ACCOUNT STATUS IS COLLECTION, MISLEADING, MISREPORTED, INNACCURATE, NOT VALID, NOT TRUTHFUL, NOT LEGAL ESPECIALLY AFTER THE DISPUTE WAS BOUGHT TO THE COLLECTION AGENCY AS WELL AS THE CREDIT BUREAUS (CONSUMER REPORTING AGENCIES) WITH PROOF AND EXPLANATION OF MY DISPUTE AND SINCE THERE HAS BEEN TOTAL DISREGARD TO CORRECT THE MATTER AFTER COUNTLESS CFPB COMPLAINT FILINGS AS WELL AS DISPUTES TO THE 3 CREDIT BUREAUS WHILE THEY KNOWINGLY ARE REPORTING THIS INFORMATION FALSELY AND MISCLASSIFIED SINCE XX/XX/XXXXWHICH HAS CAUSED MY SCORE TO GO DOWN AND REMAIN HURT, MY REPORT TO BE TARNISHED AND ME BEING DENIED, CREDIT, JOBS AND APARTMENTS BECAUSE OF WHAT LOOKS LIKE ME HAVING A BANKING CREDIT ISSUED BY XXXX XXXX AS OPPOSED TO A PAID COLLECTION FROM A COLLECTION AGENCY NAMED XXXX XXXX XXXX WHICH IS NOT A BANK,CREDIT, GRANTOR, REVOLVING CREDIT, NONE OF THESE, Also look at how many times I have disputed this even though the misreporting, classification is in black and white clear as day and XXXX XXXX XXXX knows that they are not a bank nor do they grant credit they are a collection agency named XXXX XXXX XXXX   NOT a creditor named XXXX XXXX XXXX  that Grant's credit and accounts go into collections, they are and have been aware and notified of this and has constantly responded saying the account information is valid and accurate and in more recent instances they responded stating that they are not responsible for what is being reported to the bureaus which is false and blatant total disregard to the disputes I have filed with proof again even if I did not provide proof or an explanation XXXX  knows that they are a collection agency and i never applied for credit to be granted by them or from them with monthly terms, and limits and Dofd and monthly reviews and debt to income ratios with any amount even if it says zero COLLECTION AGENCIES DO NOT AND CANNOT HAVE DEBT TO INCOME RATIOS, MONTHLY TERMS BEING REVIEWED, HIGH LIMITS. XXXX XXXX XXXX is also NOT a lending company that has a division or subsidiary that acts as a collection agency, so they should not be listed on my credit report in the section OTHER with revolving credit as its description and with a status collection, I DO NOT HAVE A ACCOUNT FROM XXXX XXXX XXXX with a status collections balance XXXX I XXXX XXXX HAVE TWO PAID COLLECTIONS FROM A COLLECTION AGENCY NAMED XXXX XXXX XXXX   WHICH IS NOT A LENDER, BANK, REVOLVING ACCOUNT ITS NOT EVEN AN ACCOUNT I do not and did not ever have an account with XXXX  I have a debt with XXXX that was sold to a collection agency named XXXX XXXX XXXX that I paid, XXXX XXXX XXXX clearly states that they bought the debt from XXXX which would mean that they are not a lender or banking credit classified credit grantor so why are they reporting sending and sent information to the 3 credit bureaus and are listed in the OTHER credit section of my credit report with a black and white clear description and definition of what should be listed in the other section of my credit report with a summary of that as well as u continue to read every single line, XXXX XXXX XXXX  knowingly reports and reported their two accounts ending in XXXX and XXXX   inaccurate, incorrectly and invalid for years and let's say they didnt know it was reported incorrectly WHAT THEY DO KNOW AND DID KNOW IS THAT I BOUGHT IT TO.THEIR ATTENTION WITH NUMEROUS DISPUTES AS WELL CFPB COMPLAINTS AND THEY ALSO KNOW FOR A FACT THAT THEY ARE A COLLECTION AGENCY AND SHOULD BE REPORTED, LISTED, DEFINED, CLASSIFIED AND VIEWED AS SUCH AND AFTER THE NUMEROUS DISPUTES WITH THE 3 CRA'S AND CFPB COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU and with total disregard to the facts presented as well as the fact of who they are PRA a debt collection agency and since XX/XX/XXXX has been falsely reporting information to the 3 credit bureaus and because of that that is the reason and reasons why these two accounts from XXXX   ending in XXXX  and XXXX should be deleted immediately, it is against the law to continue to report false and innacurate information to the credit bureaus after it has been bought to the creditor, collection agency and/or credit bureaus attention especially with proof and in this situation its not just false and innacurate information, the entire label, classification, section on credit report, type of company, status is false, incorrect, not valid. THAT IS MY DISPUTE MY DISPUTE IS NOT THE VALIDITY OF A DEBT, I HAVE A PAID DEBT ACTUALLY TWO PAID DEBTS TO A DEBT COLLECTOR ALSO KNOWN AS A DEBT BUYER NAMED PXXXX XXXX XXXX which is NOT A LENDER, BANK OR ANYTHING ELSE THAT GRANTS CREDIT WHICH ON MY REPORT IT IS LISTED AND IN THE SECTION other and or WITH DESCRIPTIONS AND CLASSIFICATIONS AND MONTHIY REVIEWS, TERMS, DEBT TO CREDIT RATIOS, HIGH BALANCES, DOFD, SO there should not and should not have been be a section that says open on account status or anywhere else or a section where it says terms (monthly or 1 month or anything else of that credit banking lending classifies nature because again XXXX XXXX XXXX  is neither of those things, so they should not have those descriptions, listings, classifications, definitions, numbers or information whatsoever I have attached XXXX XXXX response to my disputes, as well as proof that XXXX XXXX defines themselves as a collection agency NOT A CREDITOR, LENDER OR BANK, I have also attached information where it stays it is illegal to report innaccurate and false information, I have also attached the definition of a collection agency/debt buyer as well as the definition of a creditor I have also attached a copy of my credit reports so u can follow along, for the examples on my dispute I have used my XXXX  report but the dispute reason and information applies to all 3 credit reports, it is the debt collector/creditor responsibility to accurately report/furnish and send information to the credit bureaus (CRA) which in turn reports and updates credit reports with information that they receive from debt collectors/collection agencies/debt buyers and/or creditors/lender's/banks but as I have attached XXXX XXXX XXXX clearly stated that they are not responsible for what is reported from the credit bureaus and that it is the CRA responsibility to accurately report information and any issue or dispute has to be taken up and or filed with the CRA when we all know that the CRA (CONSUMER REPORTING AGENCY) ONLY REPORTS WHAT INFORMATION IS SENT AND REPORTED TO THEM, also DOFD IS Defined as date of first delinquency) there should not be monthly status (status updates and or reporting) on any of these accounts reported to any of the credit bureaus because again this is a collection agency not a creditor/lender/revolving account and i never agreed to, applied for or signed up for monthly terms with XXXX so why does each month it show collection being reviewed as if months are going by and this account is in collections not being paid ONLY LENDER/BANKING CREDIT ACCOUNTS should have monthly reporting, I never agreed to monthly terms with XXXX  for two reasons one a collection agency should not be on a monthly term basis because they are not a lender etc that granted credit on those terms and lastly there was no contact between me and XXXX  until XX/XX/XXXX and XX/XX/XXXX so there is no way I could have even agreed to pay monthly in XX/XX/XXXXwhen they bought the debt from XXXX XXXX but as we both know collection agencies is either paid or unpaid in my case all of the information is completely false innacurate and illegal reporting. XXXX report I have disputed with proof and even if I didnt dispute with proof XXXX   clearly states that these two accounts are paid so why is it listed as account type open that should not say open and that has been bought to their attention with disputes over and over and XXXX  failed to correct the issue and blame the CRA and I have attached why this is illegal after being disputed and bought to their attention with facts even though they had the facts before my disputes and cfpb complaints yet they still misreported and did not fix the issue whether that be XXXX  or XXXX they both did not fix this issue, XXXX XXXX XXXX violated and is still violating FDCPA 15 U.S.C.  1692e(2)(A) by falsely reporting the legal status of the account as Open to XXXX, a consumer reporting agency as defined by 15 U.S.C.  1681a(F).
XXXX XXXX XXXX   violated and is violating FDCPA 15 U.S.C.  1692e(2)(A) by falsely characterizing the account status as "Open to XXXX, a consumer reporting agency as defined by 15 U.S.C.  1681a(F). I have attached a screenshot of the FDCPA SECTION REGARDING THIS. I Have also attached XXXX   response to my CFPB complaint they responded that the account belongs to me THAT IS NOT MY ISSUE THAT IS NOT MY DISPUTE THAT IS NOT MY COMPLAINT so that should not be the answer or response from XXXX XXXX  or any of the CRA'S I AM NOT AND HAVE NEVER BEEN DISPUTING IF THE ACCOUNT BELONGS TO ME OR NOT I AM VERY CLEAR ON WHAT I WAS AND AM VERY CLEAR ON WHAT I AM DISPUTING IN THIS COMPLAINT AS WELL AS EVERY OTHER COMPLAINT AND DISPUTE I HAVE FILED WITH THE CFPB, CRA'S AND XXXX XXXX XXXX THE COLLECTION AGENCY I also attached the cfpb response from Experian which states that the data furnisher verified the account as accurate, so that is saying that XXXX XXXX XXXX is positive that they are reporting accurate information and they stand by their claim which based on my claims and present claim and attachments clearly shows that their reporting is innacurate, false and they are clearly knowingly reporting false, misleading and inaccurate information which is illegal and they continue to do it with total disregard to the Law(s) and rules that govern them and disregard to the proof that I have presented as well, The CRA tells me to file a dispute with the debt collector and that its their responsibility and the debt collector is saying it's the CRA responsibility to report information and the accuracy is the CRA not the debt collector, the CRA and the debt collector are both giving me the run around putting the blame on the other party as opposed to reviewing the facts presented to them and clearly reading my complaint and dispute, they are both concerned about who's responsibility to fix these disputes instead of paying attention to what I am disputing/complaining about and asking to be fixed which has been ongoing very very frustrating, draining and affecting my well being this back and forth is getting out of hand/control, responsibility, action, reading carefully and viewing the facts have to be taken look at the XXXX  credit report there is clearly a section for collections but as u can see XXXX XXXX XXXX Is listed in the other section and please read the description of what goes in the other section as well as the summary under that

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