Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
I am exhausted of this ongoing unfair targeting of my person by this corporation of greed. Experian refuse to add a statement to my credit file as I requested in over and over but Experian refused or ignored my request in violation of at least the Fair Credit Reporting Act ( FCRA ). Also Experian ignored my submitted clear and convincing evidence support my legal argument and/or my dispute to delete a XXXX  collection Which have no knowledge of since I have auto pay with XXXX to the present date of this complaint to my understanding which neither I or my bank unauthorized it ever, XXXX has my credit card information that is still valid and current and so XXXX May use that Authorized auto pay from my credit card to get paid for any legitimate charge or amount that XXXX thinks I owe them. Please be advised that auto pay always was used by XXXX who always debuted my credit card account that always more than {$4000.00} available at any time from the date that auto pay was set and given XXXX Authorization to use it until now. Therefore, if XXXX, its collection and Experian do not have any undeniable proofs to provide me ( requested their proofs pursuant to the FCRA and the freedom of information act but never noticed or informed if Experian Validated their proof of any at all ).  Their proofs if any all, must prove that my above legal argument which logically concludes that I should never been late or failing to pay any XXXX account Ive had to the date of this complaint since there is the auto pay that XXXX used it all the time as I indicated above. If they have no proof to refute my above fair and legal argument then the XXXX collection on my current Experians credit file alleging unpaid is Wrong, inaccurate, untrue and information and then Experian must delete that wrong information or negative XXXX allegation introduced by that referenced collector hired by XXXX. Experian impeded my ability to add my own statement rejecting the collection by a legal undeniable legal argument that no one would add it if not sure he could back it with proof. Again Experian resisted or refused adding my own statement which is my right asserted by at least the FCRA. Now a wrong information kept by Experian in retaliation against my person it seemed and if continued to ruin my many years of great and exceptional credit payments credibility of 100 % on time payments of all my accounts Ive ever had. the referenced collection must be deleted permanently and now. This issue took more than 30 days and new issues developed as follow : Below is my electronic communications via email with Experian. which this bureau can not deny. Experian Retaliation to keep a collection by force in my clean credit report took another extreme level of retaliatory actions from Experian. I tried to called to speak with a live Experian Representative and I tried all available Experian phone numbers including the Experian subscribers or members phone to contact for help but that also was unsuccessful because every time I get the same machine recording and no option to direct my call to a live Experian Representative. It is now my understanding that Experian is Blacklisting my personal information to restrict me from speaking to an Experian Representative. Thus new Experians retaliatory adverse action is in addition to the restriction Experian subjected me to impede my ailing to have online access using experian public online services to dispute or to place my own written statement so and authorized person to pull my Experian credit would see the statement so I could have a chance for instance to get approved for credit or loan. Unfortunately Experian and in retaliation chose to not refrain to restrict me from those rights or online services like other customers. Experian did not provide me or failed to provide me and/or broke the law refusing to provide, and pursuant to the freedom of information act and/or privacy act, all the proofs if any at all which XXXX  obtained from XXXX and/or XXXX collection company in order to prove my legal argument was wrong so it gave Experian a reason to keep or leave the referenced XXXX collection in my Experian credit file : my legal argument is shown clearly in one of the files that I attached to my complaint. 

It is unfair what Experian has done to damage my good standing rated credit history with no failure to pay and neither no late payment ever. Placing one collection alleging that I owe XXXX {$1300.00} despite that I proved to Experian many times that it should never existed so I have no knowledge of it and I never failed to pay neither was late to pay any XXXX account that I ever had with that auto pay in place still authorized by my person. Because XXXX  can use auto pay that I set up and never changed it or unauthorized it so my bank neither interfered in it by proof. 

-the CFPB has record of same issue of XXXX alleging with no proof that I Owe them {$1300.00} just different collection company name and the credit bureaux deleted before because my proofs are undeniable that collection or any collection alleging that I owe XXXX {$1300.00} is wrong, untrue and must never be placed again after I refuted with proofs coupled months ago but Who Can stop this retaliation against my person? 
-my credit file has zero missed payment exceptional and also never late at any payment ever .they are ruining my credit and I get declines and Im in need of credit history as fairly should be without the collection. now Experian with that referenced collection is harrasing me and causing me imminent irreparable damages and losses in retaliation against me. 



All stated herein is to the current state of my belief, knowledge and understanding and subject to anything by me at any time without waiving my rights under any circumstances. 


Who can stop Experians abuse of my information In retaliation against my person? 


I have more important things to focus on and this credit bureau is truly unamerican business if it is just looking to cause trouble to consumers and in return gain profit from big businesses targetting customers with the colllection tool. I believe there is a trend here and it must be investigated by the CFPB. I hope Experian get fined millions of dollars for the government to use especially these days everyone is looking to fund public projects of their agenda. 



Copy of email communication with Experian from many other is as follow : Today is XX/XX/XXXX.  To Experians following reply as received today, please refer to the content of this email at its entirely .Experian full legal liability from the violations as described in my email/s sent before today and copied and forwarded below the now rejected Experians 2 reply. Following is a copy of today Experians second rejected reply then followed by my forwarded emails : Here is a copy of Experians 2nd reply today which is rejected At its entirely and Experians Violations sustained as described : Dear XXXX XXXX : Thank you for contacting us regarding the possible errors on your Experian Credit Report. I would be glad to assist you with this. I also apologize for the delayed response. 


Anytime you find errors on your credit report, you may dispute that information. If you need to dispute any of the information you have found on your credit report, you may process it online at www.experian.com/dispute or call our Customer Care team at the number below. They will be glad to assist you. 

To assist you more specifically, please contact our Customer Care team atXXXX Monday through Friday XXXX XXXX to XXXX XXXX and Saturday andSunday XXXX XXXX to XXXX XXXX Pacific Time. 

Sincerely, XXXX XXXX. 
Your Team at Experian Ends Here. 

Refer to : On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Today is XX/XX/XXXX. To Experians reply as received today, please refer to the content of this email at its entirely .Experian full legal liability from the violations as described in my email/s sent before today and copied and forwarded below the now rejected Experians reply. Following is a copy of today Experians reply then followed by my forwarded emails : Experians today : Dear XXXX XXXX : Thank you for contacting Experian XXXX. We apologize for the delayed response and understand your concern about wanting to dispute. 

I do see that you have placed your dispute. When completed you will receive correspondence letting you know the results are ready. You will be able to log in to your membership to see the results in your alerts section. 

Please note that Experian XXXX is an online provider of credit information and is not responsible for the content in your credit report. A credit report is a snapshot of the information reported to the credit bureaus, such as Experian, at the time you request it. Experian XXXX does not have authorization to change the information in your credit report ; only the credit bureaus can do that. 

Have a wonderful day, XXXX XXXX. 
Your Team at Experian Copy of My emails and for attachments refer to my original email sent before today : On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Dear Experian Executives : Please read everything herein at its entirely along with everything I sent to Experian in regard the same exact issues or violations that Experian or its staff continue and with recklessness to put me under to suffer but I will not give up my rights under any circumstances following role of law. 

all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations. This is one
with other files and/or documents and/or recordings and/or other related evidences documenting Experians violations against my person, and all those including some of them are privileged ones and all might be used in court of law to bring justice and serve your bureaux legally and accordingly about each and each violation and all those evidences are going to be available or is already available to whom it may Concerns including but not limited to regulators and federal compliance officers with jurisdiction in the matter of the complaint about Experian dated XX/XX/XXXX to the CFPB by the complainant and in other matter included to what you might receive by a U.S Marshall but in a legal summon format at anytime without prior notice. 


The only thing you are asked now so far and without waiving my rights is stop your aggressions retaliation And violations ... ..of my rights and immediately and permanently delete what requests in numerous times many days and now years and permanently and immediately let me along and save your time for other things productive other-word have a life away from me. 

<XXXX> Begin forwarded message : From : XXXX XXXX <XXXX> Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX, XXXX, XXXX Cc : XXXX, XXXX, XXXX Subject : Fwd : Formal legal Complaint to and about Experians EnGaging in Consistent Violations Of the FCRA and other laws in The Commonwealth Of Virginia- Ref. XXXX XXXX vs. Experian + related documents with new funding of obstruction of investigation, forgery and invasion of privacy by Experian. 

<XXXX><XXXX><XXXX><XXXX><XXXX><XXXX><XXXX><XXXX><XXXX> Begin forwarded message : From : XXXX XXXX   <XXXX> Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Cc : XXXX, XXXX, XXXX Subject : Formal legal Complaint to and about Experians EnGaging in Consistent Violations Of the FCRA and other laws in The Commonwealth Of Virginia- Ref. XXXX XXXX vs. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Formal legal Complaint to and about Experian : Dear Experian Legal Representative/Experian : Please read this at its entirely as it it is already sent to you by the CFPB and a different legal version format might be sent to you by a U.S Marshall at any time without prior notice and in a summon : Several calls and other means in contacting Experian or Experians employees in many times from spring XX/XX/XXXX, To summer XX/XX/XXXX to fall XX/XX/XXXX and so on and to dispute same inaccurate information or same unauthorized actions or same unauthorized information on my credit report that this bureau add it to my records that it maintains and supposedly also safeguards according to applicable law and regulations but it opposites the expectations and legal obligations and keeps violating my asserted rights under the applicable law as anyone reading this will conclude it is a fact happening in my case as I will detail it so please read the following at its entirely.. Facts : That contested unlawful information or contested inaccurate information was added by this bureau with recklessness despite my warnings and/or requests and/or many disputes within this bureau and/or attempted disputes as these ones were faced by either obstruction or barriers or unlawful marginalization or discrimination or retaliation by this same bureau. Facts : this bureau keep adding inappropriately with recklessness that exact same malicious information back and forth to cause damages and losses to my person .So any answer to this complaint with instructing me to go ahead and dispute directly with this credit reporting agency or credit bureau is a joke since I already tried that several times and therefore no excuse using that way of answering to this new complaint about that above issue. All legal document necessary to delete that unlawful information was provided to Experian and an example of those legal documents is a letter from my bank and Experian must comply to the FCRA and all applicable Virginia state law. Answering this complaint should be the answer to what you, Experian, did again and very specifically yesterday Saturday XX/XX/XXXX by adding previous exact same negative malicious unlawful and now retaliatory information to my credit records that you administer and you added that despite that same unlawful information was disputed before and you delete it ( see one of the legal proofs provided by Experian itself indicating that unlawful information was removed after many months of back and forth and here we again back to it in violation of the FCRA by this bureau ) and despite my many notices and actions to urge you to stop and refrain from adding that same harmful unlawful information to my credit records that you, Experian, administer and in violation of the law you retaliated against my person against and kept doing that over and over perhaps You are hoping I might not pay attention but I warned you I am monitoring my stuff*** ( see in one of the document a portion of an email available to Experian at its entirely ). This bureaus yesterday s new aggression and harassment and discrimination against me is noted, reported to whom It May Concern already and no permanent resolution honored or respected by this bureau in violation of the FCRA and other laws .By continuing dragging my person to this platform or other to complain and expose your violations to the public you are harassing me, breaking my right to peace and damaging my reputation and causing me different other types of damages and losses and by your above referenced unlawful actions toward me that all done by this bureau in violation of the Fair Credit Reporting Act ( FCRA ) and in violation of the freedom of information act and/or privacy act and in violation of other applicable law and/or regulations. The same exact unlawful collection information were disputed many times even through the CFPB platform and this bureau declared to this bureau that same exact unlawful collection information was removed but here again yesterday XX/XX/XXXX Experian added it again, that same previously disputed and removed unlawful information, in violation of all applicable laws and/or regulations and at the top of it the FCRA. What is my demands and without waiving my rights? At least this bureau must refrain immediately from harassing me and harming me and damaging my well being and putting the above unlawful information back and forth to my credit records that this bureau maintains and administers and so they must delete that immediately and permanently and without adding it again. I warned legally by written notices to this bureau to not engage in the same wrongdoings against my person but it didnt deter this bureau. Going to court is highly likely to happen because XXXX  retaliatory and unlawful actions against me continues after filing before complaint with the CFPB about this same bureaus previous violations toward my person.. This bureaus executives or involved staff continue to refuse recklessly to look into the issue and insisted instead to maintain inaccurate harmful unlawful information recklessly in my records they kept and maintained within and by this bureau. This bureau retaliated against me by denying my rights asserted under applicable law and regulations. This bureau must comply to the law. I demand from This bureau and pursuant to the freedom of information act and/or privacy act to respond in regard to my information and privacy under this bureaus consitbous and consistent aggression and attacks and in its response also to justify to me in writing and mail their response to my current address with house number XXXX and zip code XXXX that they already have, the response to also this related questions : why should this bureau put back and forth that unlawful information in my records it administers and maintains? Why that this same exact unlawful information is shown again consistently and unlawfully and it wont stop appearing in my records despite the fact you added it as referenced above despite knowing what are you are doing is in violation of the FCRA and other? Are you going to stop and refrain from invading privacy? Are you going to comply to the law in regard to my information you misuse consistently and inappropriately?. I am so tired of coming to this platform over and over to seek protection from this credit bureaus unexplained aggressions and violations of many of rights as indicated herein and elsewhere and even my constitutional right to peace is under imminent attacks and violated by this bureau. I will not give up my rights I assure this bureau and I will defend my rights no matter what and following role of law because law exists in such situation and it needs to be applied on this bureau who dishonored the U.S laws and regulations by its unlawful actions as described in my case. This Bureaus involved staff or individuals please have a life and let me along in peace or face justice. I Exhausted all friendly initiatives to resolve this issue caused and forced unlawful to exist by this same bureau and in violation of applicable law and/or regulations. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations. I consent and would like the CFPB to publish this description on consumerfinance.gov so that public awareness about my struggling with this bureau hopefully others will prevent it before it escalate and become almost a daily basis unnecessary externality that is harmful and it shameful for this bureau to engage in all the above referenced wrongdoings against a citizen. all stated herein is to my current state of belief knowledge and understanding and it is subject to anything or correction from error or other and at any time without prior notice and from anywhere by my person or my legal representative if any and without waiving my rights asserted by law and regulations. 


Thank you, Date : XX/XX/XXXX XXXX

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 non-monetary relief