Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just called Experian about 30 minutes ago at XXXX XXXX onXX/XX/2023. I asked why were my dispute results not available online and what was the reason for having to make a call. I spoke to a lady on the phone who basically told me that Experian doesn't care about the law and citing laws doesn't mean anything and doesn't get you anywhere. Even though I've provided the laws where they can not report late payments because it specifically says in 15 USC 1681a ( 2 ) ( i ) that transactions and experiences are EXCLUDED from the consumer report. She laughed at me and said come on you're a grown man, just pay your bills and be done with it, or if you have an issue with the way it's reported take it up with the creditor. That's an interesting take because isn't it Experians job to make sure they are reporting accurately? According to the law you need permissible purpose and written consent to report anything on a consumer 's report. She said payment history was a factor in your credit score. Meanwhile, that may be true, your credit score and your consumer report are not the same thing. They're not even the same company doing the report, by definition, a consumer report says nothing about late payments, payment history, experiences or utilization, age or mix of accounts, inquiries, or even FICO. These are all factors that go into your credit score but your credit score is compiled from the information that is on your consumer report. I would think that a private company like Experian would know this and know the difference between a consumer report and a credit profile. She said how they get calls all the time from people talking legal terms and laws, but apparently, that doesn't matter to them, they just report information, don't follow any disclosures, or provide them. Have no permissible purpose, and don't do their due diligence on checking if there is accurate reporting of these consumer reports. She said all Experian can do is send a notification to the creditor and have them do a " check '' or verification if the info is correct, and these companies don't even know the law either they just tell you, the consumer, what gets reported and doesn't get reported according to them. If our only remedy is to make a dispute with the creditor, then why do we need a company like Experian? What is their purpose other than selling information? is it not to uphold the law and to make sure the consumer isn't being taken advantage of? It's unacceptable to hear condescending language from a representative on the phone, saying oh you're a grown man and that legal jargon doesn't matter. " we do everything according to the law '' which is laughable because the rep told me that your consumer report and credit profile were the same thing. And they are NOT! Clearly as defined by Congress, a consumer report is not the same thing nor does it say anything about a FICO score, late payment, credit utilization, or charge-offs are not supposed to be reported because it is classified as gross income according to the IRS Publication 4681. and income doesn't get reported on your consumer report. But they keep a charge-off on your consumer report, if they are so big on contracts, then why do they allow reporting from a debt collector? Debt collectors aren't the original creditors, nor are they current creditors with any type of claim to the debt. It's an alleged debt with no contract in place, but I as the consumer have to be informed on this type of information because Experian doesn't care about the law, only sharing your information. It's criminal what's going on. I know the calls get recorded, my phone number is XXXX and I called at XXXX XXXX  and got through at about XXXX p.m. on XXXX XXXX, XXXX if you want to check the call logs. She was extremely unprofessional and getting annoyed because she didn't want to go back and forth with me and hear the law. she made it clear she didn't care about that.

Company response to consumer: Closed with explanation