Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, Experian has on numerous occasions reported inaccuracies on my credit profile. I am allowed a fair credit profile under FCRA Regulations. Credit reporting agencies must validate the information or delete it due to the reporting of inaccuracies. My credit profile impacts my credit worthiness which is part of my overall judgement as a U.S citizen. Due to the negative reports places on my profile I have not been able to get approved for certain loan products, jobs and housing. For over two years I have been getting negative information reported from this particular bureaus .Not complying with the FCRA can subject your company to statutory damages of {$1000.00} per violation. My information is intact unverifiable if after each investigation there is a different update of information. XXXX XXXX XXXX XXXX XXXX has failed on numerous occasions to provide accurate information to Experian. Section 609 states that if information can not be verified it must be removed. Experian continues to report in accurate information From XXXX through XXXX Experian has reported XXXX late payments coming from XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX. Now XXXX they report only XXXX late payment for XX/XX/XXXX. I asked them repeatedly to provide me how are they verifying this information they refuse to provide me with the evidence of verification. XXXX and XXXX are not reporting any account from XXXX XXXX yet reporting agencies get their information from the same place. On my XXXX services report many of the information is incorrect. Experian has failed on numerous occasion to even find a proper charge off date. Some of my dispute results states the charge off stopped in XX/XX/XXXX and others says XX/XX/XXXX. How is this company whom I gave no permission to report information is reporting inaccurate information. I have pointed out to them and previous disputes that the date the account open and the late payments are inaccurate even on their previous investigation they still found a way to verify information and can't prove to me how they verified this information. Experian continues to report that I have XXXX potentially late payments. Potential late payments is not an accurate answer nor a certain one. They have no info on a last payment meaning they can not verify what date the charge off was to finish reporting. How can someone accurately showcase information if they don't know or cant verify the month that the charge off was lifted? On Experian it says on the XX/XX/XXXX30 days of late payment then XX/XX/XXXX it says 120 days of late payments. How is that possible if 120 days have not passed by and no reporting of a 90-day period of late payment. Also, XX/XX/XXXX nothing is reporting for days late it says unknown. Since when Accurate information did be accounted for and credible as Unknown VIOLATIONS The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. 
I did not give you consent to report any information on my consumer report. ( Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ) You have yet provide me with physical verification documentation from your office. According to FCRA and consumer law, you must provide with the information I request. 
( 15 US Code 1681g ( a ) ( 1 ) ( A ) & ( B ) ( 2 ) ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, that in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 


15 USC 1681 ( a ) States that I have rights to accuracy and fairness of credit reporting.

15 USC 1681 ( a ) ( 1 ) states that the banking system is dependent on fair reporting and inaccuracies can impair efficiency of banking systems. I have lost job opportunities, housing and many more due to the unfair reporting and refusal of a fair credit profile 15 USC 1681 ( a ) ( 2 ) Supports my defamation of character claims. My credit report is a representation of me, and I have been dehumanized due to negative inaccurate items reporting on my report. Credit worthiness, reputation and more was not credible due to false reporting placed on my report. 

15 USC 1681 ( a ) ( 3 ) states that Reporting agencies have assumed a vital role in assembling consumer credit meaning theyre not entitled to my information and are non-government company. I am the original creditor and I owe no debt to anyone nor have I ever and I am being reporting for a balance paid less than amount. I never owed anyone any debt nor have I had a late payment. 

15 USC 1681 ( a ) ( 4 ) States that there is a need of insuring that takes place on the credit bureaus part in regard to my privacy. I did not give the credit bureaus permission to report inaccurate information on my credit profile. My privacy is at risk because information is being given without consent of the consumer which is me. 
15 USC 1692K ( a ) Proves that every damage much be paid for by the debt collector as a result of such failure. Due to lack of resources financially I was targeted through a pandemic. I notified XXXX XXXX that I was in therapy due to lack of concern and I expressed that their actions along with the credit bureaus has caused me to go into XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681B states that furnishing a consumer report without the consent of consumer is unlawful. The reporting agencies have no consent in regard to my report and have been publicly humiliating me in attempts to collect what is rightfully mine because I am the original creditor. 

15 USC 168 ( A ) ( 2 ) ( B ) Indicates that furnishing an account that was created from a credit card or similar device is also unlawful. XXXX XXXX has been a huge burden on my credit for 3 years now and failed to provide on numerous occasions what is happening and report accurate information to the credit bureaus. Data reported differently every dispute and information was not deleted though proven to be inaccurate 15 USC 1692J A deceptive form to make me believe I owe debt was establish and I am protected by the law stated. Reporting that Balance was payed for lesser amount 15 USC 1602 ( K ) Presents that a drafting of contract or similar instrument in which the consumer can not adequately understand is illegal. I am not able to understand what took place as I was unaware of credit and its true meaning and nobody ensured that I was able to read what was presented. I am a first generation American. 

15 USC 1692B ( 2 ) It was stated on a recorded line and through paperwork that I owe a debt. The law states that it is a violation to state a consumer owes a debt if they do not owe a debt. 

15 USC 1692D ( 5 ) states that I am not to be contacted in regard to a debt in an annoying manner through telephone. I have been contacted many times through my work phone in regard to a debt after I was not told this is an attempt to collect a debt. 

Experian has caused great amounts of pain to me and does not report accurate information if you carefully examined the information sent they have failed to provide accurate information even after information has been disputed several times. Each time something new is updated. Experian went from two late payments on XXXX XXXX  to one late payment on XXXX XXXX. They have been " verifying '' this information for years but all of a sudden the late payments turn into just one late payment. Experian also fails on numerous occasion to know when the charge off was lifted from XXXX XXXX because they don't know the date of last payment to an account that is already not reporting accurate information. They have continued to change information after each dispute. If the information was correct the first time it wouldn't need to be updated. XXXX XXXX and XXXX XXXX must be removed from my credit profile immediately.

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