Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a formal complaint against you, Experian, due to your failure to comply with the FCRA laws and refusal to delete unverified and inaccurate information being reported on my credit report. Under the Fair Credit Reporting Act of XX/XX/XXXX ( FCRA ), all consumer reporting agencies must ensure that they establish and follow reasonable procedures to assure maximum possible accuracy. Furnishers can not report information if they [ know ] or have reasonable cause to believe that the information is inaccurate. Moreover, CRAs must conduct a reasonable reinvestigation when a consumer files a complaint about errors, and the CRAs must remove incorrect information from a consumers report within a limited period of time. Clearly, you are relying on the furnishers to conduct the investigations and determine whether an error has occurred and/or taking the word of the furnisher in handling these complaints/disputes. I BELIEVE AND KNOW for a fact that the following information to be inaccurate and have many attached documentations added to this complaint as proof. XXXX XXXX - XXXX. - Account type- Automobile-Installment. There were several proven inaccuracies in this reported account, and each time it was disputed, Experian allowed XXXX XXXX to keep changing/updating their account with additional inaccuracies instead of demanding actual proof and documentation of this account. I have suffered enormous damage to my credit score due to your unconcern and unlawful processes for NOT fully resolving this matter. Most recently, Experian simply updated the balance of this account from {$2600.00} to {$2600.00}, an increase of a {$1.00}. If Experian was following the FCRA law and verify all given information, this inaccurate balance amount wouldve been corrected before being reported to my credit file, even though the displayed amount is still inaccurate. Also, you keep allowing the account status to keep updating incorrectly as well from an opened charged-off account to a closed charged-off account which brings my credit score down tremendously ( reference enclosed documents for proof ). Due to your lack of compliance to the FCRA laws, Im receiving multiple delinquent account notifications from this company which is lowering my credit score. Experian had several opportunities to reflect accurate information/reporting on this account which theyve failed to do so which is a VIOLATION of the FCRA Laws. However, YOU have given XXXX XXXX a platform to destroy my credit file/report on a daily/monthly basis which is considered as credit poisoning ( reference enclosed documents as proof ). My credit worthiness does not seem to be a priority or concern for Experian but it is DEFINITELY important to ME. Because of your blatant disregard for the FCRA, I am demanding that the disputed tradeline be deleted from my credit file/report. I no longer want to dispute this account and entrust that you will adhere to the FCRA laws and correct all reported, proven inaccuracies, which allow you to continue to play XXXX XXXX with my credit file/report. HOW MANY TIMES OR TRIES DO YOU GET TO REPORT ACCURATE INFORMATION WHILE MY CREDIT IS DESTROYED???? I am guaranteed, by law, that you will report with 100 % accuracy and that any account I dispute will be fully investigated. You have proven that this can not be done. You now have 5 days from your receipt of this letter to remove the previously disputed account from my credit file/report. Be advised, that if this account in question is not deleted, I will sue for actual damages, including court costs, attorneys fees, lost wages, and, if applicable, defamation and intentional infliction of emotional distress. In this case, I will also seek/recover punitive damages meant to punish malicious or willful conduct. Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the item has been deleted and send an updated copy of my credit report to the address below. 

* Credit reporting agencies that are not in compliance with the FCRA can be sued by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), consumers or the states in which the consumers reside. * Creditor 's Name : Chrysler Capital Account Number :  XXXX Comment : DELETE THIS TRADELINE!!!! 

There are 33 documents attached to this complaint as proof that you, Experian, allowed XXXX XXXX to consistently destroy my credit worthiness with their credit poisoning methods by reporting inaccurate information which is a violation of FTC and FCRA laws. I 'm seeking assistance from the CFPB to assure that Experian permanently delete this trade-line from my credit report/file.

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