Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had multiple credit card accounts wih XXXX XXXX over the past ten ( 10 ) years. Two ( 2 ) accounts have been reported consistently over that time : XXXX and XXXX. Over the course of 2023 I have been disputing an XXXX XXXX account ending XXXX with all three ( 3 ) major CRAs : Experian, XXXX XXXX and XXXX XXXX The account was wrongfully charged-off in XXXX 2020, after I filed multiple CFPB complaints because XXXX locked me out of the web portal, ceased sending paper statements, and falsified the number of days delinquent to charge-off the account before the end of the 2020 calendar year. Rather than conduct a thorough re-investigation for XXXX, or at least reading through the documentation to ensure the correct account was disputed, using the balance information, account number, etc., Experian read the associated CFPB complaints and indiscriminately disputed all three ( XXXX ) XXXX accounts/tradelines. When XXXX only verified the account with derogatory information, Experian deleted the accounts with positive history and persisted the account with false/misleading/inaccurate derogatory history ( XXXX ). This is patently unfair because it punishes me for having filed complaints and/or disputes to ensure accounts/tradelines are reported with maximum possible accuracy ( see 15 U.S. Code 1681e and Twumasi-Ankrah v. Checkr, Inc., 954 F.3d 938 ( 6th Cir. 2020 ) ). It becomes even more important for me to have accounts/tradelines reported accurately because my occupation requires me to remain clearable. Having filed both CFPB complaints, DoJ complaints, and complaints with my State 's Office of the Attorney General, XXXX actions strike of harassment and intimidation because I dared to file complaints highlighting the harm inflicted upon me by XXXX due to their use of unfair, unlawful, and abusive acts and practices, and because I highlighted the additional harm those practices can inflict upon a XXXX individual like myself. Quite frankly, it seems as though XXXX has sought to inflict maximum retribution by failing to respond to my consumer disputes for positive accounts, while ensuring derogatory information on another account persists when XXXX knows or has reasonable cause to believe the information it is furnishing for the derogatory account is false/misleading/inaccurate. I need not even file a complaint for retaliation to occur ; rather an I can be engaged in any lawful conduct connected with exercise of a protected right ; in this instance the act of filing complaints for billing errors under 12 CFR 1026.13 is one form of exercise, request for access to paperless AND paper statements is another under 12 U.S.C. 5534 ( separate from and in conjunction with reasonability under Section 302 of the ADA / 42 U.S.C. 12182 ( b ) ( 2 ) ( A ) ( ii ), and 28 CFR 36.202 prohibitions against discrimination on the basis of XXXX ), complaints regarding XXXX discrimination is yet another. The accounts/tradelines ( XXXX ) and ( XXXX ) were scheduled to report until at least 2026 and thus need to be restored, while the account with false/misleading/inaccurate information needs to be removed ( XXXX ).

Company response to consumer: In progress