Consumer complaint received 2019-08-30
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:
I report numerous violations commited by XXXX XXXX and request to impose appropriate sunctions that will motivate that financial institution to obey the law. 

XXXX XXXX violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. 
XXXX XXXX violated FCDPA 807. ( 8 ) including the failure to communicate that a disputed debt is disputed by not notifying me about alleged debt. 
XXXX XXXX failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that XXXX XXXX employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to XXXX XXXX in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a XXXX representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months XXXX failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, XXXX representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time XXXX submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make XXXX to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from Experian which confirmed again that I was 30 days late making payments for a credit card. It appears that XXXX XXXX considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by XXXX XXXX  I had a credit card issued by XXXX XXXX closed and a new account request rejected by 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