Consumer complaint received 2021-07-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB - there is an attachment for XXXX  XXXX Contact details. 

Attached as - Experian - XXXX  Complaint .docx I am XXXX XXXX XXXX and I am the author of this dispute. This is NOT a Duplicate complaint, please do not flag it as such. 

This complaint is long, and detailed, with some technical details within it. Its also discoverable. All the companies within this complaint have an IT team, and developers that created/managed the integrations, built or maintain the systems or load the files from Data Furnishers.

This information - is pulled from XXXX, and Experian.com, with my PII data validated and ensured, for verification and for access to my own, Credit Reports.

I am no longer willing to be the middle man. XXXX XXXX - is the Data Furnisher - and Experian, is the CRA. The fix, can not be executed by me - it is, however both of your responsibilities. 

There is an existing complaint against XXXX XXXX ( XXXX  ), and the complaint number is XXXX. That complaint - if read, is/was not as simple as a request of Validation of Debt, it was in detail, and specific to a complaint to XXXX XXXX ( XXXX  ), and its compliance with Metro2, and its standards - and, then FCRA/FDCPA. A screen shot of the complaint is also attached as XXXX  XXXX Orig Complaint. 

XXXX XXXX - failed to reply to all within this complaint. I have attached a screen shot of their response - as " XXXX  - Orig Response '' I am pasting below, the responsibilities as a Data Furnisher - I am relying on - https : //www.ecfr.gov/cgi-bin/text-idx? node=pt16.1.660 & rgn=div5 For Federal Law - Definition of a Creditor and then a Debt Collector, I am relying on - 803 ( 4 ) and ( 6 ) https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text THIS complaint is against XXXX XXXX ( Data Furnisher ) specifically - and, then Experian ( CRA ) for this line item on my Experian Report has created this dispute of both FACRA and FDCPA compliance, although there are more . 

It is not a Verification/Validation of Debt, please be so kind as to not treat as such. If in fact an attachment is needed to demonstrate any details I ask that you simply ensure your reporting accurately reflects it as only I can see the letter. The report as you know, is visible to all interested/qualified entities. 

If you can not resolve your issue please be so kind as to delete your record. 

I am also attaching the Metro2 specification with the Debt Collector section called out. ***The Header/Footer details in a Metro2, are not specific or keyed, on/to a consumer and are then n/a.

See attached Metro2 DC Section and Do Not Send - Metro2. 


Experian 1. Your reports, segment its details by Type of Information.

2. Pers Info >Names, Addresses>Year of Birth>Employers etc all the way down to Who To Contact and Consumer Rights 3. There is A single Header for Tradelines/Accounts/Records 4. Accounts 5. Here is your definition of items listed in this segment of a Consumer Report - Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 
6. Here is another link from your site 7. https : //www.experian.com/blogs/ask-experian/credit-education/report-basics/understanding-your-experian-credit-report/ 8. And attached as well As Understanding Your Experian Credit Report - Experian XXXX Definition of Sections 9. it says Accounts Accounts in a credit report include revolving credit accounts and installment loans. This information is reported to the credit bureaus by your creditors. Accounts in good standing reflect your creditors ' reports that you have satisfactorily met the terms of your agreements with them and all payments have been made on time. Lenders are not required to report account information to the credit reporting companies. Some lenders may choose to report to only one or two of the three major credit reporting companies ( Experian, XXXX  and XXXX  ), and some choose not to report to any. Therefore, it is possible to have an account that does not appear on your credit report. This section may also include up to two years of your monthly balances on an account if it has been reported by your creditor. Here are some examples : 10. I have attached a screen shot of the fields/details/ expected results outlines in your site 11. They Are attached as Understanding - Accounts Ex 4 and with the same prefix 1-3. 
12. I also looked at Collections. same url, same attachment as Above.

13. Attached as Understanding - Accounts Ex DC 2 and Understanding - Accounts Ex DC 1 14. That Section says Collections - When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores. Here 's how collection accounts will appear on your report : 15. I can Map Metro2 for a Collection account and to the fields you Experian say are expected. 
16. For Accounts -- - DC records, It becomes technical malpractice to map to an account, cause the entrance criteria to that door has allowed itself to be blown open 17. Its out of basic compliance with NORMAL Technical oversight even, SDLC when Experian allows this Data outside of what it demonstrated. 
18. This Complaint specifically and for now, is about XXXX XXXX XXXX. 
19. They are Not Creditors ( definition is above ) 20. They are Debt Collectors. 
21. How are they allowed to report, and from your Data as an Account and with your definition? And as a Creditor? 
22. Does Experian have a Section for Collections? 
23. Because the Data from Metro2, is specific to their industry how are they then allowed to send, and then Experian Publish attributes like Terms, Pay Histories, Rating, Balance Histories?

24. How are they ( and allot of others in this basket ) allowed to use values from Metro2 that are not specified for DC usage?

25. Your Definition of FICO Scoring is attached as Experian - Fico Scoring. 
26. It is understood that there are different models.

27. But the models are built based on DATA 28. It is visible where data is masked, or manipulated. Your tools display the issues and are in plain sight when you look. 
29. Because this record from XXXX  XXXX is allowed to exist in this state this is reporting itself in such an egregious way that it simply will destroy a consumer report even when it is paid off. 
30. If I know you know, and this is systematic. 

XXXX  XXXX 1. This is your record 2. You report it 3. You are aware of the expected results 4. And, the actual results 5. You are then compliant 6. You XXXX  XXXX, dont have terms you are a debt collector 7. You dont have balance history you are a debt collector 8. You dont have rating or pay history you are a debt collector 9. You opened this account in XX/XX/XXXX 10. You then immediately reported a C Collection 11. And have been reporting it in Payment History for almost 4 years 12. Your FACRA/DOFD you are reporting is NOT accurate 13. Please accept this as our response to Ms. XXXX debt validation request for accounts ending in XXXX and XXXX. The account ending in XXXX was originally a Justice account underwritten by XXXX XXXX  and previously serviced by XXXX XXXX, XXXX. and opened on XX/XX/XXXX. The last payment was made on XX/XX/XXXX in the amount of {$100.00}. The account charged off on XX/XX/XXXX in the amount of {$530.00}. 
14. Metro2 file format has directions.

15. Even tells you what not to send - see attached " Do Not Send - Metro2.

16. Why are you sending it? Is this your expected result?

17. Can you fix your record?

If its happening to me its happening to all and is systematic.

This took me a while to figure out but, now I get it.

I hope everyone else does/will get it too.

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