Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: CA
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:
This complaint is against the repositories Experian and XXXX  and the subscriber XXXX XXXX XXXX, the original creditor on account NUMBER XXXX. 
FIRST I WILL MENTION DAMAGES CAUSED BY THE WILLFUL MISREPORTING CONSISTENT SINCE XXXX REGARDLESS OF COMMUNICATIONS DISPUTES AND COMPLAINTS AGAINST THE THREE ENTITIES Both Experian and XXXX  can inform you from their records how many times this account has been verified updated and never certified, I believe.It would be good business practice of these repositories to admit how many times this account was verified as each verification carries a {$1000.00} minimum statutory damage for false or fraudulent verification, and at least EXPERIAN WAS CLEARLY PRESENTED WITH THE SAME EVIDENCE THAT IS BEING DOCUMENTED HERE AND CHOSE TO FRAUDULENTLY VERIFY ... SUPPORTING THE SUBSCRIBER, AFTER THIS EVIDENCE WAS GIVEN TO EXPERIAN. 
WE HAVE NO ADVICE FOR XXXX  BUT ... WE DO FOR EXPERIAN..SINCE THE HANDLERS OF PREVIOUS EVIDENCE HAVE PROVEN THEMSELVES DEFICIENT, WE SUGGESS THAT EXPERIAN XXXX C.A.S.S XXXX ) CONSUMER AFFAIRS SPECIAL SERVICES, HANDLES EXPERIANS RESPONSE IN THE MOMENT FOR THE CFPB IT IS MY OPINION YOU ARE NOT COMPETENT AND HAVE SUBJECTED YOUR COMPANY TO LIABILITY THEY DON'T NEED.. REGARDING XXXX, TEXAS OFFICE OF CASS ALL INDIVIDUALS SUPERVISORS AND THE EXPERIAN LEGAL TEAM THAT EXPERIAN HAS ARE IMMEDIATELY AVAILABLE TO THE SUPERVISORS IN THIS OFFICE AND ALL EMPLOYEES ARE MORE THAN COMPETENT TO HANDLE THIS ISSUE, SO WHOEVER YOU ARE AT EXPERIAN PREVIOUSLY HANDLEING THE CFPB COMPLAINTS FOR US REGARDING THIS ACCOUNT PLEASE SAVE YOUR JOB AND HAND OFF TO CASS. 
REGARDING XXXX  ... XXXX  XXXX  AGO PERHAPS A YEAR AGO MADE THE DECISION TO DELETE THIS ACCOUNT WHEN PRESENTED WITH THE SAME INFORMATION RECEIVED MULTIPLE TIMES BY XXXX  AND EXPERIAN. 
YESTERDAY XX/XX/XXXX EXPERIAN REPORTED THIS ACCOUNT AS A PAID COLLECTION AND AS OF TODAY XXXX  HAS NOT BUT IN MAY  BE IN THE WORKS IN THE NEXT SEVERAL DAYS, THAT NICE THAT MY EXPERIAN ACCOUNT WENT UP 12 FICO POINTS TO THE GOOD CREDIT LEVEL HOWEVER THAT IS INADEQUATE. 
WE ON OUR CURRENT XXXX PURCHASED VEHICLE ARE LIKELY PAYING XXXX 4 TIMES THE GOING RATE FOR MONEY HAD XXXX NOT DESTROYED OUR CREDIT SINCE XXXX " BUMPER SCRATCH '' FEE OF XXXX THAT WENT UNPAID BECAUSE WE KNEW NOTHING OF THE INSPECTION, ABOUT A WEEK AFTER WE LEFT OUR LEASE RETURN AND DROVE AWAY IN A NEW LEASED XXXX AGAIN AT MUCH HIGHER TERMS THAN HAD OUR CREDIT NOT BEEN DESTROYED BY THE THREE ENTITIES COMPLAINED AGAINST ... THERE MAY BE A CASE FOR ELDER ABUSE CONSIDERING MY AGE AND MY HUSBANDS AGE CO PURCHASERS OF TODAYS VEHICLE, IVE BEEN INFORMED BY OUR REAL ESTATE BROKER WHO HAS EXTENSIVE EDUCATION IN CREDIT THAT OUR FICO WILL BE ABOUT 40 POINTS HIGHER AFTER THE ENTITIES DELETE THE REPORTING OF THIS ACCOUNT. 
YOU SEE, THEIR NEVER WAS A BILLING SENT TO ME REGARDING THE BUMPER SCRATCH IN XXXX ON OUR LEASE RETURN THEN..XXXX  JUSTIFIES THEIR CHARGEOFF BECAUSE THE MULTIPLE INVOICES WERE NEVER PAID OR RESPONDED TO AND NO ARGUMENT WAS GIVEN REGARDING THE INSPECTION REPORT DONE BY XXXX  s agent ... .because that inspection and those invoices were mailed to someone else at XXXX XXXX with my street address when I lived and received mail at XXXX XXXX AND NEVER PROVIDED ANYONE ANY OTHER ADDRESS ... WE KNOW THIS BECAUSE XXXX  MANIFEST SYSTEM WHICH IS AN AUTOMATED MAILING /BILLING SYSTEM WITH THE USPS HAS THE CORRECT ADDRESS BUT FOR SOME REASON HYUNDAIS PRINTER ON THE INVOICE CHANED THE ADDRESS OR CUT IT OFF TO XXXX XXXX ... I NEVER EVER NEW ABOUT ANY BUMBER SCRATCH OR BILLING FOR IT BECAUSE XXXX  WAS SENDING TO THE WRONG ADDRESS .... ALL CORRESPONDENCE TO A WRONG ADDRESS .XXXX  THEMSELVES PROVIDED THE PROOF OF THIS IN THEIR CFPB RESPONSE IN COMPLAINT NUMBER XXXX 
FOR XXXX, THE FOLLOWING ADVICE, YOU ONLY NOW SHOWED A PAID COLLECTION AS OF XX/XX/XXXX ... WHEN THE XXXX OFFICE RECEIVED THE CHECK AND LETTER FROM ME ABSOLTELY BEFORE XXXX XXXX. 
WE'VE SAID ALL ALONG THAT XXXX  HAS A PROBLEM APPLYING CREDIT FOR PAYMENTS IN OUR OTHER DISPUTE ON THE CLOSED ACCOUNT WITH ROLLING LATES.. IT TOOK XXXX  50 DAYS TO CREDIT CASH AND MENTION RECEIPT OF A {$240.00} MONEY ORDER WITH MORE FALSE VERIFICATIONS OF THE " ACCURACY '' OF THEIR CREDIT REPORTING DURING THE INTERIM WHILE THEY WERE " WALKING THE CHECK TO THEIR BANK '' I'M NOT GOING OFF TRACK HERE ... XXXXREMOVE ACCOUNT XXXX IMMEDIATELY.DELETE IT AND EXPERIAN IT IS YOUR DUTY TO CONTACT EVERY SINGLE CREDITOR ON OUR EXPERIAN REPORT AND EVERY SINGLE INQUIRY SINCE XXXX AND TELL THEM THAT MY CREDIT WAS DAMAGED AND FALSELY FRAUDULENTLY REPORTED BY YOU. 
AT REMOVAL MY FICO SHOULD BOOST ABOUT 40 POINTS INTO THE LOW XXXX RANGE ACROSS ALL 3 BUREAUS.

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