Consumer complaint received 2020-12-17
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:
XXXX  XXXX XXXX and the credit bureau are in Violation of FCRA and XXXX. Per federal law debt collectors are only allowed to report the original start date of a debt. 

XXXX  XXXX XXXX is stating and reporting that this debt started in XX/XX/XXXX. They also committed perjury in a response to a complaint made to the Consumer Finance Department. In their response to the complaint they stated that they are reporting the date that they purchased the debt and not the original date the debt started which is a violation of Federal laws. 

I have reported this issue to all three credit agencies XXXX, Experian and XXXX. Each company followed the traditional practice of verifying this information with the data furnisher. Each time these companies reached out to the original data furnisher XXXX  XXXX XXXX and they lied that the information in the file is accurate. This is a false statement and multiple items of documentation have been submitted to XXXX XXXX XXXX and the credit agencies. 

Attached is a copy of Federal Records from the FDIC. XXXX  XXXX XXXX states that they purchased this debt from XXXX XXXX  in XX/XX/XXXX. This is a lie and they have committed perjury several times. 

In the report I received from the FDIC it clearly states that this debt was sold to XXXX XXXX  in XXXX XXXX, a formal complaint was filled with XXXX XXXX asking for more information on the debt. XXXX XXXX responded back to the CFPB that they are not the appropriate company to handle this issue. Meaning the debt at some point must have been sold by XXXX XXXX to XXXX XXXX XXXX. 

So again XXXX XXXX XXXX has committed perjury by saying they purchased the debt from XXXX XXXX. All banks must report their transactions to the FDIC. In this case XXXX XXXX  reported the true original owner of this debt was and is XXXX XXXX NOT XXXX XXXX  XXXX. 

If XXXX  XXXX XXXX was the original owner of this debt their name would be listed in the FDIC records. They are not. They purchased assets from a third party and not XXXX XXXX. The original date that is shown in XXXX  XXXX XXXX file is for XX/XX/XXXX this a blatant lie. XXXX XXXX XXXX has committed perjury and has violated my rights under the FCRA and the FDCA. 

They have lied to a federal authority saying they purchased a debt from XXXX XXXX  and they have not. Multiple requests have been made to XXXX XXXX XXXX to provide proof of purchase and they have not been able to present them. Multiple attempts have been made to ask XXXX XXXX XXXX to show proof they mailed a letter notifying me that they were the owners of the debt after they purchased the debt from XXXX XXXX. They have failed to provide that proof as well. 

This debt is not valid and any party reporting it is violating my rights as a US Citizen. XXXX  XXXX XXXX has lied multiple times and has yet to provide any proof to back their statements. 

XXXX XXXX XXXX has shown that they do not intend to tell or report the full and accurate proof. They have instead continued to report a string of lies to multiple Credit Agencies in a greedy attempt to hold my life hostage for payment. 

I have also reported XXXX XXXX XXXX, XXXX, Experian and XXXX to the Georgia 's State Attorney General for false statements, violation of the FCRA/FDCA and consumer intimidation. 

If any of the listed parties are still reporting this debt after XX/XX/XXXX. Formal litigation will be filed. This is my final warning to XXXX  XXXX XXXX and their staff. Lies and perjury will no longer be tolerated.

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