Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: TN
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:
I wanted to make a complaint on XX/XX/XXXX because they have reported in accurate information on my account purposely.

I disputed the information on my account and asked for validation of the account.

The informationXX/XX/XXXXsent back shows that being deceptive in credit reporting is a normal everyday business accurance for them.

I have attached where they have mentioned several amounts that I owe from their own validation paperwork they sent me. 

In there paperwork it says on XX/XX/2019 I had a credit limit of {$1500.00}. 

It said that on this date I was charged {$190.00} in fees and that I used {$120.00} of this credit limit. 
It goes on to say on XX/XX/2019 I was charged {$170.00} in fees for the exact same principle amount that was used on XX/XX/2019. 

This brought the total they say I owe to {$310.00} and {$290.00} on these two occasions and the total is {$610.00} for the month of XX/XX/2019. 

The credit limit was {$1500.00} and the amount used is {$610.00} so that means that there is an un used credit balance of {$880.00} left in credit. 

XXXX XXXX also stated in there paperwork that is attached on this complaint and labeled XX/XX/XXXX created amount. 

They are saying that payments were made on the principal balance but they have not shown what the balance was after payment. They also have not shown what amount was paid. 

Was the total amount paid and they are trying to run a collections scam? 

Then on XX/XX/2019 they stated the account was charged off and the amount owed was {$2100.00} They are running an illegal collection scam here according to consumer laws. 

The credit limit was {$1500.00}, {$610.00} was spent according to them. Then a balance above the so called signed for credit limit was created for {$1800.00} then it ballooned to {$2100.00}. 

Also according to the XX/XX/XXXX from credit report attachment the balance owed is {$1800.00} and the credit limit is {$1500.00} and the high balance is {$1800.00}. 

XX/XX/XXXX has clearly run a collections scam and are seeking to defraud me of my money that I go to work for everyday. 
XX/XX/XXXX has had several chances to correct this information but instead has doubled down on being deceptive and being a bully. 

This behavior has caused so much hardship and financial pain that I want this debt deleted immediately and {$2000.00} paid out to me for the hardship I went through. 

I am also upset that the credit bureaus have reported this on my credit while saying they verified this information and kept reporting the blatant incorrect information.

I think the credit bureau has something involved in this because this is upsurb to think the bureau had a hand in this deceptive behavior.

i have submitted this issue several times to XX/XX/XXXX and experian and they have verified it as legit even though they had access to all the informationXX/XX/XXXX sent them.

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