Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is being filed against XXXX XXXX XXXX XXXX. I have had numerous previous complaints filed in which XXXX just makes willfully false statements. The last such complaint was XXXX. I am going to do this now by just dealing with one issue per complaint rather than identifying various correlated issues. This will compel them to just deal with one per complaint so that the semantically games, and other attachments they submit that are incomplete and incorrect, mostly irrelevant or uncorroborated, and uncorroborable without the proper and full depiction is not further used as the ruse they commonly initiate to inundate you with a lot of papers of little to no substantive value. I will first deal with their response to item 4 of complaint XXXX. XXXX XXXX wrote : " 4. XXXX is reporting him incorrectly to the credit reporting agencies. He states he owes less than {$1000.00} on one account ( XXXX ) and less than {$1300.00} on the other ( XXXX ). XXXX is reporting that he owes over {$14000.00} per unit to the credit reporting agencies. <P/>To address item 4 above : Our records indicate that on XX/XX/XXXX, we sent XXXX XXXX a letter regarding his credit reporting ( copy enclosed ). The letter informed him that we were making system corrections and that once the credit reporting was updated, the loan accounts would be reported as current. We asked that XXXX XXXX allow thirty ( 30 ) business days for the information to be reflected properly through the pertinent credit bureaus. Please be advised that we are unable to view XXXX XXXX 's credit report and, as such, are unable to comment on his statement that he owes over {$14000.00} per unit to the credit reporting agencies. XXXX XXXX may provide us with a copuyo fhis credit report, and upon receipt, we would be happy to review the report and provide him with additional information. Please be advised that at this time the Unpaid Principal Balance ( " UPB '' ) for loan XXXX is {$1200.00}, and {$830.00} for the loan number XXXX. '' XXXX The complaint on this item by me is that 1 ) XXXX does have the ability to see my credit report. They illegally obtained access to my credit, it would seem, in that the cover letter states " Notice of Home Loan Application '' when in fact I had made no such request for a loan.They are again making false statements..they whether legally or illegally have access to my credit report. They sent such a report to me back in XX/XX/XXXX after one of many heated disputes occurred because XXXX was misapplying my payments to the two account. ( see attachment ( s ) Attached Image from XXXX, and credit report from XX/XX/XXXXrun by XXXX latter matches email file name XXXX ) 2 ) XXXX states that if I send them credit reports they will review " we would be happy to review the report and provide him with additional information. '' ( attachments of two redacted XXXX credit reports from XX/XX/XXXX depicting XXXX & XXXX, and Experian for same period for both accounts ) The Experian report depicts XXXX owing {$8000.00}, and XXXX owing {$23000.00} The XXXX report depicts XXXX owing {$8100.00}, and XXXX owing {$13000.00} I was not able to obtain XXXX online, but I 'm sure its a mess also. The fact that XXXX states it asked for 340 business days from XX/XX/XXXX does not work because they have had more than 30 business days to resolve this and it is still wrong. XXXX again has made numerous false statements a ) they can and do obtain access to my credit reports b ) the balance information with the credit reporting agencies makes no sense and is actually different from one another c ) they are not resolving my issues with them they still have false information filed with the credit reporting agencies to my detriment XXXX has been guilty for years of credit reporting violations regarding these loans

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