Consumer complaint received 2018-04-18
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: Their investigation did not fix an error on your report

Complaint:
PLEASE READ THIS DISPUTE THIS TIME. I AM PROVIDING PROOF OF 10 INCORRECT REPORTING ERRORS ON MY CREDIT REPORT FROM THE SAME COMPANY. 
THIS IS A HUGE ERROR THIS COMPANY IS BREAKING MANY LAWS AND REGULATIONS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX  EXPERIAN, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Please be advised this is my SECOND WRITTEN REQUEST about THE ERRORS YOUR COMPANY IS REPORTING AGAINST ME ON MY 3 CREDIT REPORTS. Yet again, you have failed to provide me with a copy of any viable evidence THIS ACCOUNT IS BEING REPORTED ACCURATELY. LET ME POINT OUT ( AS ATTACHED TO THIS COMPLaint ) ARE copIES of my 3 credit reportS where your company claims this account was charged off in XX/XX/XXXX! ( ALSO PREVIOUS REPORTS WHERE YOU REPORTED THE STATUS AS CHARGED OFF IN XX/XX/XXXX ) It also claims that it was opened in XX/XX/XXXX, but there is no payment history before XX/XX/XXXX AND THEN all of a sudden it BEGINS TO report as being paid in good standing from XX/XX/XXXX until XX/XX/XXXX where it is now in late status with positive payments showing? This is impossible even if THE ACCOUNT WAS MINE, because THIS ACCOUNT WAS IN COLLECTIONS just LAST MONTH AND IT HAS BEEN reporting that way FOR THE LAST 4 YEARS ( ALSO INCLUDED ARE PAST IMAGES OF MY CREDIT REPORT SHOWING THIS ACCOUNT BEING IN COLLECTIONS FOR YEARS NOW ) ALSO, IT IS IN AN ACTIVE DISPUTE AND XXXX  IS CALLING IT A CHARGED OFF ACCOUNT ( with no mention of the dispute ) AND THERE ARE NO LATE PAYMENTS being shown ever! JUST PAID AS AGREED THEN Status is Late and also CHARGEd OFF? I'm also attaching a copy of my report from XX/XX/XXXX from all 3 bureaus where this account was showing the payments were BEING MADE from XX/XX/XXXX-XX/XX/XXXX 1 ) ERROR 1 : XXXX NOT STATING ACCOUNT IS BEING DISPUTED AS COMMANDED BY FCRA LAW 623 ( a ) ( 3 ) 2 ) ERROR 2 : PAYMENTS I NEVER MADE BEING REPORTED FROM XX/XX/XXXX-XX/XX/XXXX 3 ) ERROR 3 : NO VERIFIABLE PROOF account is mine EVER BEEN PROVIDED to me in writing AFTER MULTIPLE REQUESTS 4 ) ERROR 4 : ACCOUNT BEING REPORTED AS CHARGE OFF/late WHEN PAYMENTS ARE SHOWING CURRENT but account is in collections 5 ) Error 5 : no payment history from XX/XX/XXXX-XX/XX/XXXX 6 ) Error 6 : NO charge off date and incorrect monthly reporting showing current payments but that the account is late? How is that even possible? 
7 ) ERROR 7 : REPORT CHANGED FROM LAST MONTH PayMENTS WERE CURRENT FROM XX/XX/XXXX-XX/XX/XXXX, NOW IT SHOWS NO PAYMENTS UNTIL XX/XX/XXXX-XX/XX/XXXX. 
8 ) ERROR 8 : FCRA Section 623 ( a ) ( 1 ) ( C ), YOU SHOULD KNOW THE LAW YOUR BREAKING HERE 9 ) ERROR 9 : NEVER PROVIDED DOCUMENTATION ON STATUS OF ACCOUNT PER FCRA law 623 ( a ) ( 4 ) 10 ) Error 10 : No notice ever sent once alleged account went into late/charge off status FCRA law 623 ( a ) ( 7 ) ( G ) ( i ) I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please provide me with the following : 1. What the money you say I owe is for? 
2. Explain and show me how you calculated what you say I owe? 
3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. PROVIDE ME WITH THE COPIES OR RECEIPTS OF EVERY SINGLE PAYMENT YOU SAID I MADE TO YOU FROM XX/XX/XXXX-XX/XX/XXXX AND PAYMENTS YOU REPORTED LAST MONTH ( XX/XX/XXXX ) WHERE YOU STATED I MADE PAYMENTS FROM XX/XX/XXXX-XX/XX/XXXX 6. PROVIDE ME EITHER MY BANK ACCOUNT NUMBER # /CREDIT CARD # WITH SIGNED SLIP/CHECK IMAGES/MONEY ORDER RECEIPT/WIRE TRANSFER CONFIRMATION # /ACH TRANSFER CONFIRMATION # OR ANY OTHER FORM OF PAYMENT YOU CLAIM YOU RECEIVED FROM ME TO VALIDATE/PROVE YOUR ERRONEOUS REPORTING OF THIS ACCOUNT TO THE BUREAUS, THAT I MADE 9 MONTHS OF PAYMENTS TO YOU FROM XX/XX/XXXX-XX/XX/XXXX AND XX/XX/XXXX-XX/XX/XXXX 7.  Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent. 
10. PROVIDE ME THE names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof TO ME. 
11. PROVIDE THE DOCUMENTED PROOF THAT YOU EVER GAVE ME NOTICE OF THE CHARGE OFF PER FCRA LAW 623 ( a ) ( 4 ), and PROVIDE THE ACTUAL CHARGE OFF DATE AND AS STATED YOU MUST IN FCRA LAW 623 ( a ) ( 5 ) " A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 12. PROVIDE THE DOCUMENTATION AND PROOF YOU PROVIDED ME REGARDING THE STATE OF THIS ACCOUNT ONCE IT BEGAN REPORTING AS A " LATE '' PER FCRA LAW FCRA 623 ( a ) ( 4 ), As it stands now the reporting is a clear violation of the Fair Credit Reporting Act. ( FCRA ) I would also mention that one needs to also insure your employees are receiving and following the proper training in regard to your chosen industry. This statement is in reference to the past nature of your correspondence/communication. The Court has stated the following, which you should be quite familiar with : The Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692n ( " FDCPA '' or " Act '' ), under which this case arises, is premised on the congressional belief that " 'every individual, whether or not he owes the debt, has a right to be treated in a reasonable and civil manner, ' '' XXXX v. XXXX. XXXX XXXX, 677 F.2d 775, 777 ( XXXX Cir. XX/XX/XXXX), citing 123 Cong. Rec. XXXX ( XX/XX/XXXX ). 

At this time, we solely seek the correct remedy to our credit report AND DELETE THIS ACCOUNT From all 3 bureaus. It is in good faith that we will assume your employees in the future will follow the rules of the FCRA/FDCPA with any of your other clients you may have, as they have failed miserably thus far in our case. 

We stress that this matter requires your immediate attention as I am currently, due to your reporting inaccuracies, experiencing financial injury. In addition, now that you have been AGAIN PROPERLY notified of your error in writing, you may not continue to report the information as it is, in fact, an error. Should you not correct this we will pursue the extent of damages incurred BY ME, the injured partY, as deemed by the courts. ( US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX ) If you need to contact ME regarding this account I request all correspondence be sent to the address below and will NOT accept phone calls from you or your associates. All correspondence will be in writing/EMAIL only. 

If this matter isn't fixed immediately, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 600-618 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Federal Law. Furthermore you have failed to provide the method of verification as an Original Wet Note signature Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. AND if not fixed immediately, I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) DEFAMATION 2 ) VIOLATION OF FCRA ACTS ( SECTIONS INCLUDING, BUT NOT LIMITED TO, 807-8, 623-a-3, 616-617, 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), FCRA 623 ( a ) ( 5 ) ( A ), FCRA 623 ( a ) ( 5 ) ( B ), FCRA 623 ( a ) ( 7 ) ( G ) ( i ) ) I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX   XXXX XXXX  XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX Thank You, 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 non-monetary relief