Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The crux of my complaint stems from XXXX XXXX furnishing account information to the credit bureaus that is currently under dispute and in still in the process of being investigated. In other words, XXXX XXXX knowingly and willfully furnish information to the credit bureaus which they have reasonable concern could be inaccurate. 

Additionally, CEOs XXXX & XXXX, who are both obligated by law to sign a document every year attesting to their knowledge of and responsibility for their banks operations. The law establishes punishments of {$1.00} million in fines and imprisonment of up to 10 years for knowingly making false certifications. Yet, XXXX XXXX & XXXX may have known and personally instructed the retaliation against me and other consumers. 

Historically, XXXX XXXX has a long history of LYING, CHEATING, MANIPULATING DOCUMENTS, PROVIDING FALSE DOCUMENTS TO COURTS, STEALING MONEY AND PROPERTY FROM CITIZENS. ETC.. 

XXXX XXXX has committed more fraud and caused more financial losses then ten ( 10 ) XXXX XXXX, yet not one Executive has personally paid a fine or spent one ( 1 ) day in jail. Heres a short list of XXXX XXXX most recents frauds : XX/XX/XXXX XXXX XXXX to Pay {$200.00} Million to Resolve Alleged FHA Mortgage Lending Violations XX/XX/XXXX XXXX XXXX fined {$15.00} million for bankruptcy filing violations Heres are examples from recent court cases : Part of a MASSIVE fraud XXXX XXXX has been BUSTED for taking part in to steal or pillage homes from honest hardworking homeowners. 

XXXX XXXX of XXXX, XXXX, had her loan changed by XXXX XXXX without her knowledge, from a {$300000.00} 30-year loan to a {$200000.00} loan due in 18 months, and in documents submitted to the court, XXXX XXXX included four separate loan applications with different terms : See for yourself ... 
https : XXXX https : XXXX XXXX *This type of abuse is part of a Massive new fraud cover-up by banks and when financial crimes go unpunished, the root problem of fraud never gets fixed The consequences when these crimes go unpunished, the legacy of fraud never gets fixed. In this instance, the underlying ownership on potentially millions of loans has been permanently confused, and the resulting disarray will cause chaos for decades into the future, harming homeowners, investors and the broader economy. 

Back to my claims ; XXXX XXXX unknowingly admitted in their XX/XX/XXXX letter to me while attempting to cover up willful violations of my rights and the law. Further, I firmly believe at least one of XXXX XXXX CEOs XXXX XXXX or XXXX XXXX gave the orders to retaliate and have conspired with Experian Credit reporting agency to ruin my credit and cause me as much financial harm as they could. 

Following is a chronological history of facts of my dispute with XXXX XXXX, including their CEOs XXXX XXXX & XXXX XXXX and the Credit Bureau industry. 

In XX/XX/XXXX, I was denied a mortgage due to information on my Credit Reports. I bought memberships to Experian and XXXX, pulled my reports and was Stunned at what XXXX XXXX was reporting. 

My Experian & XXXX reports : Reported a XXXX XXXX ( Closed ) acct. W/balance of {$4100.00}, Last Update by Furnisher ( XX/XX/XXXX ) - Experian did not report this update until XX/XX/XXXX : XXXX XXXX Furnished an update - Experian did not add the Update until XX/XX/XXXX XX/XX/XXXX XXXX XXXX furnished an Update = Balance {$4700.00} & added a ( 30-day late for XX/XX/XXXX ) - Experian did not report this update until XX/XX/XXXX On XX/XX/XXXX I filed disputes through the CFPB, with Experian, XXXX & XXXX ; claiming the Balance and late 30-day late for XX/XX/XXXX were inaccurate provided a XXXX XXXX statement to support my claim and advised XXXX XXXX of the rule of furnishing information prior to completing a proper investigation. ( In order to preserve a private right to sue, consumers Must dispute through a credit Bureau. I included the contact of XXXX XXXX CEOs XXXX XXXX * XXXX XXXX On XX/XX/XXXX Experian, XXXX & XXXX confirm all the information in my complaint has been forwarded to XXXX XXXX. 
On XX/XX/XXXX Incredibly Experian, XXXX & XXXX report that XXXX XXXX had confirmed the accuracy of the Balance at {$4700.00} and XX/XX/XXXX late- Even though XXXX XXXX admits they have not completed their investigation. ( See, XXXX XXXX letter dated XX/XX/XXXX-A Big NO NO! ) XX/XX/XXXX : Again XXXX XXXX furnishes an Update to only Experian adding another 30 day & 60 day late for XX/XX/XXXX & XX/XX/XXXX, increasing the Balance to $ XXXX Experian reports this change immediately on XX/XX/XXXX ( the XXXX XXXX & Experian relationship seems different than that with XXXX and XXXX as XXXX nor XXXX report this until XX/XX/XXXX which is the XXXX XXXX reports to all CRAS. pay attention to the Experian/XXXX XXXX relationship ) XX/XX/XXXX ; Suspiciously, Again in mid-cycle XXXX XXXX updates the Balance and 60 days late and again only Experian updates it that same day ( XX/XX/XXXX ) XX/XX/XXXX- Filed CFPB complaints against Experian.XXXX, XXXX and XXXX XXXX . I requested removal of Fraud Alerts ( Which I never asked to me added ) and Consumer statements, explaining I was attempting to finalize a mortgage, but would be denied with a Fraud Alert or Consumer statement on my credit report.I included the contact of XXXX XXXX CEOs XXXX XXXX * XXXX XXXX and requested a political website ( XXXX ) to forward emails to board-members of XXXX XXXX XXXX XXXX Received this complaint on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX   added an 90-day Fraud alert to my Experian report. 
*NOTE through my CFPB complaints on XX/XX/XXXX & XX/XX/XXXX, I SPECIFICALLY requested to remove any consumer statements/Alerts. Informing all that an ALERT would prevent me from obtaining my mortgage. 

At this point within a 15-day period, XXXX XXXX has updated and confirmed to the credit Bureaus at least ( 9 ) different times the balance and status of this XXXX XXXX account & added Consumer statements along with fraud Alerts deliberately contradicting my previous request. 

XXXX XXXX admitted in their XX/XX/XXXX letter that they were still investigating my disputes. With that knowledge along with the confirmed dates XXXX XXXX furnished information to the Credit Bureaus, we can conclude XXXX XXXX has basically conceded to willfully, recklessly and deliberately violating the law on at least a dozen occasions in less than 30 days. ( each time an update is reported with each credit bureau would constitute as a single violation ) and it is clear XXXX XXXX was doing so to cause as much harm to me as possible. 
But there is more, On XX/XX/XXXX Somehow another 90-day alert was placed on my Experian, XXXX and XXXX Credit reports. 
On XX/XX/XXXX : I filed a CFPB request and complaint : Requesting Experian, XXXX and XXXX to Immediately remove the 90-day fraud alert and provide me with an answer of who requested the Fraud Alert to be added. ( XXXX claimed it was from XXXX who claimed they received their request from Experian ). 
On XX/XX/XXXX I filed a separate CFPB complaint case XXXX, against XXXX XXXX   claiming that XXXX XXXX had retaliated against me as a result of my complaints. I provided a chronological history of events and violations. ( see attached XXXX XXXX XX/XX/XXXX letter responding to my CFPB complaints on ; XX/XX/XXXX Case number XXXX and XX/XX/XXXX Case number XXXX XXXX Between XX/XX/XXXX & XX/XX/XXXX numerous calls were made, pleas, long hours on the phone to have the 90-day Fraud Alert removed from Experian , XXXX and XXXX . 

On XX/XX/XXXX, An XXXX fraud representative finally agreed to remove the 90-day fraud alert confirmation # XXXX On XX/XX/XXXX A call was made to XXXX XXXX, XXXX XXXX rep. In the Office of the President, card-member services. XXXX XXXX, ( co-applicant of XXXX XXXX   card ) offered to pay off the entire balance immediately with the agreement XXXX XXXX would remove the late fees in XX/XX/XXXX & XX/XX/XXXX only on My reports ( XXXX Co-applicant ). That was denied without a thought! XXXX XXXX implied XXXX XXXX CEOs and/or other Executives were angry I had sent them emails with my complaints. 
Therefore, no agreements ; Poor guys, its ok if we XXXX you, cheat you or violate your rights. But dont you dare stand up to us! XXXX XXXX recent history supports my claims, just ask XXXX XXXX. 


XX/XX/XXXX All my credit reports ; Experian, XXXX & XXXX were freed of any fraud alerts.

XX/XX/XXXX Incredibly! Another Fraud Alert was placed back on my Experian credit report, Experian forwarded the Alert to XXXX, who forwarded the Alert to 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