Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: CA
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 disputed w/EXPERIAN ( via certified mail w/RETURN RECEIPTS ) items XXXX XXXX  Acct. # XXXX.reporting as included in Bankruptcy XX/XX/XXXX YET REPORTING AS OK ( XX/XX/XXXX ) RF ( XX/XX/XXXX ), RF ( XX/XX/XXXX ) RF ( XX/XX/XXXX ) & AS CHARGED OFF IN XX/XX/XXXX WHICH IS A VIOLATION OF THE FCRAand XXXX Acct. # XXXX.reporting as included in Bankruptcy XX/XX/XXXX YET REPORTING AS CHARGED OFF IN THE MONTH OF XX/XX/XXXX AND ACCT. HISTORY SHOWING NEGATIVE FOR THE MONTH OF XX/XX/XXXX WHICH IS ANOTHER VIOLATION OF THE FCRA AND XXXX XXXX # XXXX.EXPERIAN DID NOT PLACE DISPUTES. THEY ARE OVER THE 30 DAYS which is another violation of the FCRA. FOR MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQUIRIES THAT WERE UNAUTHORIZED.NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECKED FOR ACCURACY AND IF THEY WERE, TO PLEASE UPDATE THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 4 SEPARATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID, WHICH IS A VIOLATION OF THE FCRA..THEY ARE ALSO OVER THE 30 DAYS. EXPERIAN HAS DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOLOUS DISPUTES. I AM REQUESTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, AND ALL THE OTHER FCRA VIOLATIONS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINT. ALSO COMPLAINTS WITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELETED. THEY ARE ALSO INVOLVED IN FRAUD 1.XXXX ACCT. # XXXX 2.XXXX XXXX ACCT. # XXXX 3.XXXX XXXX # XXXX INQUIRIES ARE THE INQUIRIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING ARE VERY TIME CONSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS. 
After receiving my dispute letters by certified mail Experian then retaliated by among other things, doing the following : ON XXXX ACCT : 1.On XX/XX/XXXX REPORT # XXXX changed XXXX acct Bankruptcy date FALSELY RE-AGED IT to XX/XX/XXXX TO SEVERELY DAMAGE MY CREDIT & SCORE!!. Violation of the FCRA. 
2. XX/XX/XXXX REPORT # XXXX changed XXXX acct. Bankruptcy RE-AGED date back to XX/XX/XXXX AND CHARGE OFF.Violation of the FCRA. 
3.XX/XX/XXXX FLAGGED XXXX ACCOUNT AS CHAPTER XXXX BANKRUPTCY DISCHARGED4 YEARS AFTER ITS BEEN REPORTING AS INCLUDED IN BANKRUPTCY XX/XX/XXXX!! REPORTED FLAG ON MY CREDIT REPORT AS CHAPTER XXXX BANKRUPTCY DISCHARGED AS OF XX/XX/XXXX WITH BALANCE DATE XX/XX/XXXXA VIOLATION OF THE FCRA. 
4. XX/XX/XXXX REPORT # XXXX REPORTED FALSELY CHANGED XXXX ACCT. BANKRUPTCY DATE TO XX/XX/XXXX. 
ON XXXX XXXX ACCT : 1.XX/XX/XXXX REPORT # XXXX REPORTED ACCT. AS DEBT INCLUDED IN CHAP XXXX BANKRUPTCY ON XX/XX/XXXX AND STILL SHOWED 30 DAY LATE XX/XX/XXXX 90 DAY LATE XX/XX/XXXXEVEN THOUGH THAT IS IMPOSSIBLE AND HAD BEEN DISPUTED. 
6.XX/XX/XXXX FLAGGED XXXX XXXX  ACCOUNT AS CHAPTER XXXX BANKRUPTCY DISCHARGED4 YEARS AFTER ITS BEEN REPORTING AS INCLUDED IN BANKRUPTCY XX/XX/XXXX!! REPORTED FLAG ON MY CREDIT REPORT AS CHAPTER XXXX BANKRUPTCY DISCHARGED AS OF XX/XX/XXXX WITH BALANCE DATE XX/XX/XXXXA VIOLATION OF THE FCRA 2.THEN XX/XX/XXXX REPORT XXXX XXXX EXPERIAN FALSELY REPORTED RE-AGED/CHANGED DATE TODEBT INCLUDED IN BANKRUPTCY ON XX/XX/XXXX CAUSING SEVERE DAMAGE!!! VIOLATION OF FCRA. **RIGHT ABOVE THIS FALSE REPORTING ON THE REPORT EXPERIAN DEFAMES ME/COMMENTS ON THE REPORT Meets requirement of the Fair Credit Reporting Act when they are falsely reporting RIGHT THERE!! 
2.THEN XX/XX/XXXX REPORT # XXXX FALSELY REPORTED RE-AGED/CHANGED DATE TODEBT INCLUDED IN BANKRUPTCY ON XX/XX/XXXX CAUSING SEVERE DAMAGE!!! VIOLATION OF FCRA. 
3.XX/XX/XXXX FALSELY REPORTED XXXX XXXX ACCT.AS NEGATIVE FOR THE MONTH OF XX/XX/XXXX CAUSING MAJOR DAMAGE TO MY CREDIT & SCORE. REPORTING A DEBT PAYMENT HISTORY AS A NEGATIVE FOR THE MONTH OF XX/XX/XXXX FOR A DEBT THAT WAS REPORTED AS DISCHARGED THROUGH A BANKRUPTCY FILED IN XX/XX/XXXX IS A VIOLATION OF FCRA. 
4.XX/XX/XXXX REPORT # XXXX FALSELY REPORTED RE-AGED/CHANGED DATE TODEBT INCLUDED IN BANKRUPTCY ON XX/XX/XXXX!!! VIOLATION OF FCRA. CAUSED & IS CAUSING MAJOR DAMAGE!! 
5.XX/XX/XXXX THEN FALSELY MALICIOUSLY REPORTED XXXX ACCT HISTORY AS NEGATIVE FOR THE MONTH OF XX/XX/XXXX ON A DEBT THAT WAS REPORTED INCLUDED IN BANKRUPTCY FILED ON XX/XX/XXXX. A VIOLATION OF THE FCRA. CAUSING MAJOR DAMAGE!! 
*AS EXPERIAN HAS VIOLATED/IS VIOLATING BOTH THE FCRA AND STATE LAWS THEY MUST REMOVE BOTH DISPUTED ACCOUNTS/ ITEMS AND THE XXXX XXXX REPORTED UNDER PUBLIC RECORDS THAT THEY WERE INCLUDED IN. MULTIPLE TIMES I HAVE DISPUTED & FORMALLY REQUESTED VALIDATION OF THE BANKRUPTCY REPORTED BY : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Identification Number:XXXX Date filed : XX/XX/XXXX Status : Chapter XXXX Bankruptcy discharged. ..They failed to dispute this within 30 days.Violation of FCRA. They failed to validate this within 30 days, and send me the requested documents or in the absence of such as formally requested delete it from my credit file. A violation of the FCRA., and continue to do so. They failed to verify this within 30 days. A violation of the FCRA. EXPERIAN IS REPORTING FALSE INFORMATION SO MUST REMOVE THIS ITEM IMMED. THEY DID VALIDATE THIS BANKRUPTCY & COULD NOT HAVE VERIFIED IT FOR THE FOLLOWING REASONS : 1. ) THE XXXX XXXX XXXX HAS CONFIRMED THAT THEY DO NOT VERIFY OR VALIDATE BANKRUPTCY RECORDS TO THE CREDIT BUREAUS OR THIRD PARTIES AND CAN NOT BY LAW. 2. ) I HAVE A LETTER CONFIRMING THE SECURITY FREEZE/ OPT OUT ON MY FILE PROVING THAT XXXX XXXX COULD NOT VERIFY THIS INFORMATIONBUT MOST IMPORTANTLY OF ALL3. ) I CAN PROVE THIS IS FALSE XXXXNFO..THIS BANKRUPTCY Identification number : XXXX WAS NOT VALIDATED OR VERIFIED AND COULD NOT HAVE BEEN VALIDATED OR VERIFIED AS THERE IS not even a XXXX XXXX XXXX at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHIS IS REPORTING FALSE INFORMATION.VIOLATION OF THE FCRA AND STATE LAW.IT MUST BE REMOVED IMMEDIATELY FROM MY CREDIT FILE.

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