Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
This complaint is filed against Experian for the harm caused to my credit as a result of thee lack process in investigating the disputes filed against XXXX XXXX at least dozen times in the last year. 
I was most appalled yesterday XX/XX/XXXX after I received the XX/XX/XXXX results of the 2 disputes that EXPERIAN issued for XXXX XXXX XXXX cards starting with XXXX and XXXX submitted on XX/XX/XXXX where Experian concluded that the information in my dispute were verified as accurate despite, I submitted evidence of the credit card statements being issued as business credit cards under a business name, XXXX XXXX XXXX XXXX as the account holder and I was just th signor. Please read the top left corner of each credit card statement. XXXX XXXX XXXX XXXX was not a home base business but an XXXX XXXX with 6 employees and over XXXX customers. Please see attached multiyear commercial lease agreement signed by XXXX XXXX XXXX XXXX, whose business address was XXXX XXXX XXXX, XXXX NY XXXX. The reason why the credit card statements were mailed to my home address is due to the fact that I did not know at all the 6 employees that were transferred to me to start a new XXXX XXXX under a new name in XX/XX/XXXX and the XXXX XXXX business card starting with XXXX was issued in XX/XX/XXXX, the same month that XXXX XXXX XXXX XXXX was formed as a new XXXX XXXX in addition to over 60 customers walking in and out an office with open desks and open floor concept. After I observed that the companys mail was dropped by the mailman at the front desk and can be picked up by dishonest employees and customers who would have access to the companys credit card information as a sensitive piece of company information that could be compromised. Thus, I called XXXX XXXX and requested that the mailing address for the companys credit card statement is changed and send all mail to my personal mailing address at XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. I was then told that XXXX XXXX can not mail to a XXXX XXXX XXXX unless my home address is attached to the XXXX XXXX XXXX Thus, the mailing address was changed from the business address XXXX XXXX XXXX, XXXX NY XXXX to my personal home address attached to my personal mailing address as XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX. The corporation ended having part of my name in it since the incorporator could not incorporate the names previously provided since they were used already. Thus out of frustration in XX/XX/XXXX and when i was under pressure to open a new company to form a new XXXX XXXX, I asked the incorporator to form the corporation with a unique name that can not be rejected. Attached are all emails by incorporators informing m that all normal names chosen were rejected and the unique corporation name, XXXX XXXX XXXX XXXX as a unique name was accepted which i though was cleaver since the new XXXX XXXX XXXX XXXX XXXX XXXX sounds familiar with my name, XXXX XXXX, the XXXX Agent which are not at all the same. After XXXX  XXXX XXXX XXXX, was closed by XXXX in XXXX, a new XXXX XXXX was formed to replace it and the new agency 's name is the XXXX XXXX and XXXX XXXX is th XXXX XXXX. Please do a XXXX search to see the name of the XXXX XXXX that has occupied XXXX XXXX XXXX, XXXX NY XXXX since XXXX after XXXX XXXX XXXX XXXX, was closed down by XXXX. 

Experian decided to intentionally ignore the proof provided that I submitted and insisted the business credit cards are individual responsibility by simply contacting XXXX XXXX and did request nor obtain any proof XXXX XXXX such as a signed consumer credit card application and signed consumer credit card agreement to support their confirmation statements. So, Experian concluded despite evidence I submitted showing the American Statements showing thee 2 cards in question are business credit cards and not consumer credit cards, yet XXXX XXXX words of deceit an deception passing business credit cards as consumer credit cards were taken over the evidence submitted while the evidence is XXXX XXXX own statements which I am resubmitting. 

The same disputes using the same evidence were filed with XXXX and XXXX delete the 2 XXXX XXXX business credit cards from my personal credit file on XX/XX/XXXX because XXXX has a process in place to resolve disputes. XXXX  does not just take the creditors words, they rely upon proof submitted by the consumer to delete the items disputed or the creditor produces signed documents that show individual responsibility. That did not happen with Experian and instead Experian dropped my credit score by 24 points from XXXX to XXXX to cause me damages due to recklessness and lack of business process. Now, mortgage applications that were approved prior to XX/XX/XXXX are declined on XX/XX/XXXX since I was approved bas upon a score above XXXX. Please see the XXXX  letter confirming deletion of the XXXX XXXX business accounts. 

This is not the first time that Experian refused to remove derogatory item. In the past 2 years several requests were made to delete XXXX XXXXl from my credit file, I was refused every time despite I submitted the vacated judgment papers as a legal document from the Supreme Court of the State of New York that says I no longer owe this money. Experian refused to accept a Supreme Court document signed by a NY State Supreme Court XXXX and took the word of XXXX XXXX over the legal court document, until I threatened XXXX XXXX  to take them back to court since they kept lying every time Experian contacted them by validating a debt that the court said was not longer owed or valid. Experian had no problem defying the NY Court which was an offense and was in XXXX to the court every time they refused. Experian only removed the XXXX XXXX debt only after XXXX XXXXl was forced to contact Experian to request deleting the false claim of debt in 48 hours or I will go back to the court with them for violating a court order. This is the same thing that is happening now with XXXX XXXX and this shows that Experian works for the creditors and always take the creditors words over any documents submitted by consumers to extricate their credit files of false claims by creditors. 

I demand that given the evidence submitted, Experian immediately delete the 2 XXXX XXXX accounts from my credit file by XX/XX/XXXX or I will escalate the matter by filing a complaint with the Federal Trade Commission and other government agencies for the abuse, lack of care, lack of business process that have caused me irreparable harm in the past 2 years by their refusal to delete the false claims of personal credit cards advanced by XXXX XXXX which is engaged in unethical if not illegal conduct. Just because XXXX XXXX is a large company, it does not mean that they do not have unethical persons paid a commission based upon debt collection and unethical employees would do everything they can to collect a commission on nearly XXXX dollars between the two credit card balances. 

Sincerely, XXXX  XXXX XXXX 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 explanation