Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: MS
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:
EXPERIAN has been notified about the several laws they are breaking by reporting false and inaccurate debt along with inaccurately reporting information about my XXXX XXXX  accounts! XXXX is the only agency thats accurately reporting information on my consumer file. They are reporting zero missed payments and zero derogatory accounts. They obviously recognized the unlawful nature of the derogatory information and corrected the errors. EXPERIAN has refused to comply with the laws under the FCRA and Ive repeatedly informed them of all the inaccuracies via certified mail. They are in clear violation of Debt Parking which the FTC considers an unfair practice and a violation of the law. XXXX XXXX XXXX has not been validated according to 15 usc 1692g, AFFIRM hasnt been validated, and XXXX XXXX is also unvalidated debt!!!! Ive caught EXPERIAN in several lies in regards to their investigation practices!!!! They lied and said that they verified a bankruptcy and it was deleted due to me going to XXXX and having them submit a letter stating that it needs to be removed. The courts also stated that they dont furnish data so who did EXPERIAN validate the debt with? They lied and said that they validated XXXX XXXX which was a charge off account and I had to get XXXXXXXX XXXX and XXXX XXXX to write a letter stating that the account was fraudulent and needed to be removed! Again proving that they clearly dont verify nor do they validate anything that they report which is a clear violation of 15 usc 1692g ( debt validation ), violation of 15 usc 1681e ( b ) ( accuracy of reporting ), and also a violation of 15 usc 1692d ( harassment and abuse ), violation of 15 usc 1692e ( false and misleading information ), and violation of 15 usc 1692f ( unfair practices ). They lied and said that they verified my student loan payments but again I submitted proof to them that they arent even reporting what XXXX is reporting and they are inaccurately reporting 3 missed payments on my XXXX XXXX accounts while XXXX is again the only agency correctly reporting zero missed payments!!!! EXPERIAN is inaccurately reporting 9 missed payments! My XXXX  XXXX accounts should all say zero missed payments. EXPERIAN clearly doesnt respect the law!!! I am also providing copies of dispute letters sent via certified mail, and a copy of my identification so that EXPERIAN cant lie again and say that its an unauthorized person submitting this complaint. I XXXX XXXX XXXX, XXXX am the person who is submitting this complaint!!!!!! Im also providing statements from the FTC clearly stating that they are against Debt Parking. Im providing the copy of the letter obtained by the FDIC from XXXX XXXX and XXXX XXXX stating that the account needs to be removed and the letter from XXXX to show the unlawful practices of EXPERIAN. EXPERIAN repeatedly lies about verifying information!!!!! If they truly did their job and actually verify and validate the information they report then why do they keep having to delete so many accounts? Why did XXXX finally correct all information and they have not? Why does EXPERIAN not follow the law and respect my consumer rights? Pursuant 15 usc 1692k EXPERIAN is civilly liable in the amount of XXXX per violation.

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