Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Again! I am disputing XXXX XXXX XXXX XXXX ACCOUNTS ( automobile, credit cards, and unsecured loan ) I am tired of disputing, the obvious inaccuracies on these accounts and YOU REPORTING AGENCIES CONTINUE TO MAIL ME MY CREDIT REPORT STATING THE ACCOUNT HAS BEEN VERIFIED, ACCURATE, IT BELONGS TO ME, which if the account belonging to me was NEVER IN QUESTION!, the dispute was inaccuracies that YOU REPORTING AGENCIES have continuously allowed to remain on my consumer report. 


According to 15, USC 1681eb MAXIMUM ACCURACY shall be reported on the consumer report, which YOU REPORTING AGENCIES have failed to do on numerous occasions! The last dispute here on this CFPB website I submitted documentation, and I marked every single inaccuracy that needed to be removed and yet you still did not do your due diligence, which is required by LAW! A charged off account is an account that is dormant/dead. IT DOES NOT CONTINUOUSLY REPORT ON A MONTHLY BASIS, for example : ( X ( late ), L ( late ) or CO ( charged off ) THE MONTH AND THE YEAR THE ACCOUNT WAS CHARGED OFF IS THE *ONLY TIME* MEANING ONE TIME IT SHOULD BE REPORTED. TWO OUT OF THE THREE XXXX XXXX XXXX XXXX ACCOUNT CHARGED OFF IN XX/XX/XXXX  AND THE THIRD CHARGED OFF XX/XX/. IT SHOULD NOT CONTINUOUSLY ON A MONTHLY BASIS UPDATE A PAST DUE AMOUNT OR BALANCE, BUT YOU STATE THE ACCOUNT IS ACCURATE AND YOU VERIFY THAT ITS ACCURATE. I FIND IT FUNNY, BECAUSE HOW IS THAT POSSIBLE ON AN ACCOUNT THAT IS DORMANT/DEAD? YOU REPORTING AGENCIES are also ALLOWING ALL OF THESE XXXX, XXXX XXXX XXXX ACCOUNT TO NOT ONLY CONTINUOUSLY REPORT CHARGED OFF, WHICH IVE NOTICED MY LAST DISPUTE YOU WENT BACK AND CHANGED TO ( X or. L ) how is this legal or ethical? HOW CAN YOU ALLOW THE PAST DUE AMOUNT ON A MONTHLY BASIS TO INCREASE? NOT ONLY IS THAT A VIOLATION AND NOT ONLY IS IT UNLAWFUL and NOT ONLY DOES IT GO AGAINST MOST IMPORTANTLY!! MY RIGHTS AS A CONSUMER ITS A LIE! AND ITS INACCURATE, BECAUSE THE ORIGINAL CHARGED-OFF AMOUNT IS CONTINUOUSLY BEING CHANGED ON A MONTHLY BASIS, SO WHEN INAPPLY FOR ANYTHING IT LOOKS AS IF THE CO ( charge off ) just occurred for that specific month which is a lie! 

According to section 623 15 USC 1681s 2 ( 5 ) duty to provide notice of delinquency of accounts ( A ) in general : furnishers shell notify the agency of the date of delinquency on the account, which shall be the month in the year of the commencement of the delinquency on the account, THIS MEANS REPORT MONTH AND YEAR, ONE TIME THAT IT CHARGED OFF ON MY CONSUMER REPORT, NOT EVERY SINGLE MONTH, WHICH IS ILLEGAL BECAUSE YOU ARE RE-AGING THE DEBT EVERY MONTH FOR THE PAST FIVE YEARS, WHICH COUNTS AGAINST MY CREDIT REPORT, AND IT IS VIEWED AS IF THE CHARGE OFF JUST OCCURRED EACH MONTH, THIS IS NOT RIGHT THIS IS WRONG ON SO MANY LEVELS, AND I AM BEING VIOLATED! This is my last attempt to have you reporting agencies do the right thing, do the LEGAL/required corrections on my consumer report as fast as possible or either stated by law DELETE these accounts since you have not provided me with HOW any of this is accurate! 


I WILL BE TAKING LEGAL ACTION if this is not 100 % corrected or deleted and stopped on my consumer report. I already have an attorney that is ready able and willing. I have kept every dispute, every certified mail slip every response every credit report for my case! I have uploaded what I have sent you guys certified mail on the CFPB website along with proof/documentation/pictures of exactly what I am talking about so there is zero confusion with my corrections on my report please expedite this process! Stop sending stall messages for proof of address and identification when Ive clearly provided this in several other disputes pertaining to this same matter! 

CFPB you will be included in this lawsuit since you have failed to make sure my disputes are fully investigated lawfully, you XXXX XXXX XXXX XXXX I will be including you especially since in XXXX  I was in the hospital, down and out from a XXXX XXXX XXXX XXXX  for 5 months with only XXXX XXXX  as I tried on multiple occasions to workout with you guys as you continuously harassed me by calling multiple times a day while I was in the hospital and recovering XXXX XXXXXXXX, as prior to the accident I had made every single payment on time for multiple years and you refused to work with my unfortunate situation as a loyal XXXX XXXX! All calls are recorded so I have no reason to lie and have kept records and proof, and the fact that you on a monthly basis continue to purposely and unlawfully report inaccurately on my credit report will be included in my lawsuit if this isnt IMMEDIATELY CORRECTED with the accurate amounts, with ONLY 1 charged off month and year it was actually charge off reported accurately for each account ONLY! You have also filed this on your taxes with the IRS and Ive asked for my 1099C which I have never received after asking for it, so will also be contacting the IRS. ALSO for my auto loan you guys owed my a refund when I didnt have full coverage auto insurance since my father had passed and you increased my monthly payment from XXXX to {$400.00} until the amount you had to cover was paid off, you over charged me and once my auto payment went back to the original amount of XXXX you never informed gap insurance that I was back in good graces so when I had the XXXX accident, they didnt cover the last {$3000.00} that I owed you guys they only cover {$1000.00} which I still have an email from an employee at XXXX XXXX XXXX XXXX that confirmed this information so I dont owe anything for my car because that was your fault XXXX XXXX XXXX XXXX you dropped the ball and now you have the nerve to put me in a charged-off status for something that I should not owe and on top of that you are adding interest to an amount that has been charged off. How do you continuously add interest to increase a charged off amount a charged off account is a dead account. It is what it is this is all unlawful in accurate degrading and just you should be ashamed, if this isnt fixed within a month, Im filing suit on everyone because Im tired of wasting my time!

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