Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB just recently. 

XXXX XXXX  has had thousands of both XXXX XXXX XXXX & CFPB complaints filed against them within the last 3 years. 

Errors are being made and it is causing XXXX defamation against me which is costing my family money and making me homeless, especially during the pandemic as Experian is participating in my familys reasons for HARDSHIP! 

On multiple occasions dating all the way back to XX/XX/2021, I requested proof of these debt from Experian via phone, mail, faxand have gotten nothing! 

Absent such proof, they must terminate these items from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY.

1 ) XXXX  has removed BOTH accounts from my report!

a ) XXXX XXXX -- -removedXX/XX/XXXX b ) XXXX  -- -- -- -- -- -- -- -- -- -- -- removed XX/XX/XXXX 2 ) XXXX  has so far removed the XXXX XXXX account from my report!

a ) XXXX XXXX -- removed XX/XX/XXXX b ) XXXX  -- -- -- -- -- -- -- -- -- -- -- currently under dispute ITS BECAUSE THESE ARE BOGUS ACCOUNTS and if you truly investigated you may have been privy to this fact as well!

Now that I am finally paying attention to my credit after about 20 years of not even having a credit card, EXPERIAN expects me to accept false and erroneous accounts THEY DID NOT VERIFY, all while pretending to verify them to make money from creditors.

Experian never sent proof and Im sure there is no proof of my name SIGNED on any contracts!

I have disputed this over 10 times with you via phone, via mail via fax and nothing!

If my last my name was XXXX  or XXXX  would I be given a fair investigation?

Experian has pretended to investigate these matters but HAVE NOT SUPPLIED ANY PROOF of how they supposedly verified these debts.

Experian claims they have verified this on many occasions, MULTIPLE disputes which I have kept records of for court purposes as suing Experian seems to be to the only next step to cease the DEFAMATION.

I keep asking how they were verified, and they will not tell me, nor will they remove the ERRONEOUS accounts!

To prove defamation, a plaintiff must show four things : 1 ) a false statement purporting to be fact : Experian stating, they verified accounts that harm my credit that you did not investigate yet you represent me to creditors using this information also without my permission.

2 ) publication or communication of that statement to a third person : Creditors checking my score and seeing the derogatory, erroneous items Experian is presenting to them and representing me but failing to remove debt they can not properly validate as mine.

3 ) fault amounting to at least negligence : Experian being negligent by not properly investigating and validating puts Experian at fault for damaging my life via reporting an unfair representation of my credit score.

4 ) damages, or some harm caused to the person or entity who is the subject of the statement : I cant finance a house for my family and can soon be homeless due to a lack of resources all stemming back to this unruly, inaccurate calculation of my credit score.

EXPERIAN, your continued silence in this matter is unacceptable. You refuse to provide proof these debts are valid so remove these invalid debts from my credit report.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

This is a request for the REMOVAL OF THESE ACCOUNTS FROM MY REPORT!

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me God, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XX/XX/XXXX.

I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB.

I will be taking legal action against EXPERIAN if these erroneous items are not removed from my report EXPEDITIOUSLY!

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