Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: CA
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:
THIS IS LETTER ONE : SHOWING HUGE FRAUD AND LIES FROM COMPANY ( XXXX XXXX ) AND EXPIERIAN I HAVE IMAGES AND LETTERS TO PROVE BOTH : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Financial Services XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX RE Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe your company $ {$1900.00} and This is a formal notice that your erroneous claims are now disputed. This debt is over 7 years old and was already disputed and removed from my report as inaccurate. I am providing the details to this dispute with this letter. 

Since you are illegally reporting against me on my Experian credit report after the 7 year mark and after a won dispute where in XX/XX/XXXX I certified the letter I am attaching and you did not respond and then it was removed from my spouse and my reports. 

This account used to be in collections and what you have habitually done is to switch the debt from my spouse and Is reports, then shuffle it between a closed account and a collection account. This is a blatant attempt to fraud me and my wife and a direct violation of the FDCPA/FTC/FCRA. You have dragged the bureaus into your fraud and now they are just as responsible as you are for the violations. 

You never provided me or my wife or the bureaus with any adequate proof of ownership of this alleged debt, and now it is way past the statue. I dont even need you to prove it is mine as I know it is not and I have hard proof of your fraudulent and predatory acts. 

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 also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you are erroneously reporting the debt after 7 years, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

The outcome of this letter may result in small claims legal action against your company and Expierian, XXXX  and XXXX, at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Fraudulent acts Lies and predatory behavior upon a consumer Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a demand only, not an argument of ownership, you will remove the negative marks in 5 days or I will take legal action against you. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX HERE IS LETTER 2 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Financial Services XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX XXXX Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe your company $ {$1900.00} and This is a formal notice that your erroneous claims are now disputed. This debt is over 7 years old and was already disputed and removed from my report as inaccurate. I am providing the details to this dispute with this letter. 

Since you are illegally reporting against me on my Experian credit report after the 7year mark ( this account was allegedly opened in XX/XX/XXXX, then I disputed it in XX/XX/XXXX ) and after a won dispute where in XX/XX/XXXX. I certified the letter I am attaching and you did not respond and then it was removed from my spouse and my reports. 

In also just disputed this with Experian two weeks ago and they erased my dispute from their portal and updated the file to paid but charged off. 1 ) thats not true this account is not mine and It was disputed in XX/XX/XXXX and removed. 2 ) its from XX/XX/XXXX its too old to be on my report. They have lied and illegally tried ton change my report to hide their faults. 

This account used to be in collections and what you have habitually done is to switch the debt from my spouse and Is reports, then shuffle it between a closed account and a collection account. This is a blatant attempt to fraud me and my wife and a direct violation of the FDCPA/FTC/FCRA. You have dragged the bureaus into your fraud and now they are just as responsible as you are for the violations. 

You never provided me or my wife or the bureaus with any adequate proof of ownership of this alleged debt, and now it is way past the statue. I dont even need you to prove it is mine as I know it is not and I have hard proof of your fraudulent and predatory acts. 

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 also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you are erroneously reporting the debt after 7 years, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

The outcome of this letter may result in small claims legal action against your company and Expierian, XXXX and XXXX, at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Fraudulent acts Lies and predatory behavior upon a consumer Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a demand only, not an argument of ownership, you will remove the negative marks in 5 days or I will take legal action against you. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA 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