Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, OH XXXX at XXXX has list on all credit reports a fake debt for unknow amount. Four many years this financial institutions called serious heartaches to my family and we can not get a proper home line of credit to fix the home for the family. Instead of following the law and verifying like law requires they leave false information on your credit report and then when you call them, they hang up the phone on you and just say you are liable with no proof of claim whatsoever. See FCRA 623 ( a ) ( 8 ) .1. ) I strongly suggest that this XXXX Ex. XXXX be sanctioned and fined and penalized by The Ohio Attorney General is the chief legal officer of the State of Ohio in the United States. The office is filled by general election, held every four years. The current Ohio Attorney General XXXX XXXX.This employee XXXX Ex. XXXX for XXXX XXXX XXXX XXXX uses a fake name refuses to give ID number or her real name because she knows she is a fraud. 
Also is knowingly committing fraud with the credit reporting agencies in a demand ramson just like the mafia with no goods and services provided by this financial company. See Attachment 1 Attachment ( 1 ) XXXX XXXX XXXX XXXX ( XXXX ) provides consumer credit cards for automotive dealerships and retailers nationwide. 

XXXX XXXX, XXXX ( XXXX ) today announced the appointment of XXXX XXXX as president, XXXX XXXX XXXX, and chairman, CEO & president of XXXX XXXX XXXX XXXX ( XXXX ), effective XXXX. XXXX assumes the role from XXXX XXXX, current president of XXXX, who will be retiring after more than 40 years with the company, effective XXXX XXXX. 

In this role, XXXX will provide strategic oversight and leadership to the XXXX team and will be responsible for driving growth initiatives that generate revenue while maintaining and enhancing XXXX current business. He will be located in XXXX XXXX, Ohio. 
XXXX brings with him extensive experience in diverse areas of financial, retail and business services in both XXXX and XXXX industries, said XXXX XXXX, president, integrated consumer tire division, U.S. & XXXX, XXXX XXXX XXXX XXXX. With that experience, combined with strong leadership and change management skills, I am confident that XXXX will motivate and inspire our team to drive new business, enhance revenue and better serve our customers. 
XXXX joins XXXX after spending the last seven years with XXXX XXXX XXXX, where he most recently served as vice president XXXX, XXXX XXXX XXXX customer service. During his tenure, he was responsible for managing all aspects of the XXXX XXXX portfolio. Prior to XXXX, XXXX served as an executive consultant for XXXX XXXX XXXX and spent nearly 20 years at XXXX, where he held various positions in the companys consumer lending and credit card divisions. XXXX earned a XXXX of XXXX XXXX in finance from XXXX  XXXX University and an XXXX in management accounting from XXXX University. 

XXXX is proud to be a leader in customer-first payment solutions that earn loyalty and drive business in the communities we serve. We are one of less than ten remaining special-purpose nationally chartered credit card banks in America. As the consumer credit division and payments arm of XXXX XXXX, the XXXX payment program for tire services is offered at all XXXX XXXX XXXX XXXX stores in the U.S. More than XXXX XXXX affiliated dealers also accept the XXXX payment program. 
A cause of action is a right to bring a lawsuit. A person or entity may have a cause of action limited by the time frame set forth by statute for bringing a lawsuit. A cause of action may exist under the common law ( judge made law ) or granted by statutes. In order to have a valid cause of action, all the legally defined elements of a claim must exist. 
The basis for the cause of action must be pleaded in the initial complaint in a lawsuit. For example, a lawsuit made be based in tort, fraud, breach of contract, etc. More than one cause of action may be stated in a lawsuit. The legal theory for the cause of action must also provide for a remedy. Not all injuries have a legal remedy, and therefore, are not a cause of action. 
Falsification makes it a crime in Ohio to knowingly make a false statement under specified circumstances, most commonly to mislead a law enforcement officer. Depending on the circumstances, falsification can be classified from as low as a first-degree misdemeanor to as high as a third-degree felony. 
FRAUDULENT MISREPRESENTATION To state a claim for fraudulent misrepresentation, a plaintiff must show that : The defendant made a false representation of material fact. 
The defendant knew the statement was false when making it. 
The defendant intended for the plaintiff to rely on the false statement. 
The plaintiff justifiably relied on the false statement. 
The plaintiff suffered damages due to its reliance on the defendants false statement. 
UNJUST ENRICHMENT The equitable doctrine of unjust enrichment permits a party to recover an amount equal to the benefits that it conferred on another ( compare to quantum meruit ), even though the parties did not enter into an express contract. Simply stated, unjust enrichment is based on a mistaken payment and applies only when a contract does not exist between the parties. To state a claim for unjust enrichment, the plaintiff must show that : The defendant benefitted at the plaintiffs expense. 
Equity and good conscience require restitution.

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