Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it May Concern, I have already filed a complaint. This is an additional complaint and supplementary information I have noticed. Per the attachment, there was a posted payment of {$13000.00} on XX/XX/2021 by whomever the account holder. The account balance at that time was {$4000.00} dollars. The high credit and original loan amount of whoever 's account this is was {$9000.00}. This is the posted unanimous information being reported amongst all three major credit bureaus. Can you please advise how with an original balance of {$9000.00} would have a past due balance with a posted unanimous payment of {$13000.00} amongst all three bureaus in addition to a perfect payment history? Further, XXXX and XXXX reflect late payments after the account should have been zero 'd out. It also appears possibly XXXX and XXXX XXXX reflect payments as well. The difference of {$4000.00} and a {$13000.00} payment is positive and should not reflect late payments to whomever the account holder is. I feel the payment history should be thoroughly reviewed. 

Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. I have been denied this right. Anyone actually looking over the information would notice none of the numbers make any sense. Simply asking the company " oh is that correct '' is not proper due diligence nor an acceptable response. This information can be taken directly off of the credit report without even contacting any company. The account is riddled with inconsistencies and for that fact alone it needs to be removed. This request is further supplemented by the following definitions all of which are met. 

An account whose status is paid in full, and thus has no balance due but nevertheless reflects a balance due ; An account that reflects an Original Loan Amount that increases over time, an impossibility by definition ; Derogatory information being reported on an account, although that derogatory information predates an earlier report that did not include the derogatory information. 

The account is not mine and I do not owe them anything. The account is riddled with illogical reporting. My credit has always been perfect across the board never a single late payment. I notice a false account on my reports and I dispute it and then all of a sudden you want to retaliatorily change loan amounts and past due balances and throw late payments on there. I have copies of all the prior credit reports. There was never a late payment reported or derogatory information in any prior reports until I stated the balance was not mine. The changes to the report were done in malice. My information was also leaked and documentation to support that has also been submitted. I do not know what it is but what I do know is that none of it is correct. 

The bureaus have a duty to report accurate information and the misreporting of such information is misutilization of my information and a violation of the fair credit reporting act. Further, this is a misrepresentation of my character which has done me economic harm and damages and I want the account removed immediately. I would say an additional 17 months now I have been forced to be a renter due to improper credit reporting at a current market rent of {$1200.00}. ( {$21000.00} ). I have other large personal obligations that have either had to close at above market rates or were not able to close. 

Look at my perfect credit history exclusive of that account, over XXXX years of perfect payments. You are denying me the right to seek a home or other credit predicated on comical posted transactional history, illogical reporting, and retaliatory practices. I would venture to say the aforementioned may possibly constitute negligent noncompliance with the fair credit reporting act. [ Civil liability for negligent noncompliance 15 U.S.C. 1681o ] Thank you for your consideration.

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