Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: LA
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:
After reviewing my credit reports I noticed that you are continuously alleging that the following account is a negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove-all negative and adverse remarks. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX # XXXX As you know it is against the law to report any information not proven accurate. There are also plenty of violations I found with this account.Ive sent multiple letters for you to verify the accounts yet yall are reporting the accounts as verified but each Credit bureau Are still reporting incorrect and inaccurate information. 

1. The following XXXX XXXX account XXXX account was charged off as of ( XX/XX/XXXX ) Since then the account has repeatedly been updated as charged off every month consecutively over 26 times. 

The following XXXX # XXXX account was charged off as of XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month consecutively over 26 time and also has an updated closed date and payment date. 

This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I HAVE ATTACHED THE CREDIT REPORT AND HIGHLIGHTED THE INACCURATE FRIVOLOUS INFORMATION. 

2. 26 violations have been found ; every time you report updated knowing this account is a charge-off which is illegal.

3. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 4. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive reports. ( you are not a party in the alleged debt ) 5. Violated 18 USC 1028-A Aggravated IdentityTheft ( which you have furnished frivolous-information reported in my name and yet still not validated this alleged debt.

6. Violated 15 USC C 1681 Civil liability willful non compliance information reported in my name and yet still not validated this alleged debt.

According to FCRA Section 604 ( A ) ( 3 ), FCRASection 623 FCRA Section 611 ( A ) ( 1 ) you are obligated to pay me {$1000.00} for each violation. The damages, and mental/emotional stress to my children and myself. The injuries you caused me. This is unacceptable and you have broken several laws repeatedly. I have filed a complaint with the FTC as well. I demand you to remove this account effectively and pay the attached invoice and compensate me.Also, mail me a copy of the updated credit report.

Every time they lie and validated the information it changes to something different, Ive been asking for months to verify and they havent properly verified and there still updating charge off accounts which manipulates the statue of limitations. 




Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights

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