Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: TX
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:
PLAINTIFF ORIGINAL PETITION : 1. Plaintiff is XXXX XXXX XXXX Defendants Experian Credit & XXXX XXXX XXXX 2. FACTS Plaintiff alleges that Experian, a consumer reporting agency, willfully failed to follow reasonable procedures to assure maximum possible accuracy when preparing credit reports about XXXX XXXX. The Plaintiff has disputed information on credit report and sent in documents about XXXX XXXX and the inaccurate reporting of payments and status of a account that is now in litigations. Experian fail to remove or Investigate Item with XXXX the company had 30 day to respond to the dispute and XXXX Failed and Experian continue to report with inaccurate information about XXXX XXXX credit report confusing her and other creditors about the reporting to XXXX XXXX XXXX XXXX Experian refused and failed to reinvestigate and correct disputed items in Plaintiff 's file and disclosed correct credit information to persons or entities without permissible purpose to receive such information, all in violation of the FCRA. 
The Defendants Experian Credit & XXXX XXXX XXXX reported false information alleging XXXX XXXX was in default without any written notices reported charged Off on XX/XX/2019 with last payment being paid in XXXX and Experian is reporting last payment being reported in XX/XX/2019 Both Defendants failed to give correct information and answer and honor the dispute within 30 days. The Defendants violated the 15 USC 1681 / 602.1 and 698.3 / Texas Finance Code 352.004. Disclosure  Requirements / Texas Election Code 211.005. Method of Giving Notice ; Record of Notice / Texas Finance Code 274.105. Failure to Send Notice of Substitution ; Defective Notice ( FCPRA ) Fair Credit Reporting Act, with deceptive or abusive reporting acts or practices to the Plaintiff. Section 348.114 ( c ) / Texas Penal Code 36.06. Obstruction or Retaliation / Texas Finance Code 391.002. Furnishing False Information. 
The Plaintiff is seeking for judgment of credit reporting retaliation, XXXX, XXXX XXXX and XXXX, loss of wages of job, defamation of character : The Plaintiff is seeking Settle for 3X the amount of wages lost for job, XXXX XXXX and XXXX and credit reporting. 40 % to 80 % of the outstanding balance of debt. Asking for credit repair an increase of affected credit score and erase any and all comments made on credit report to discredit the Plaintiff character. 
4. ATTONEYS FEE. ALL Fees will be paid by the Defendants PRAYER Plaintiff prays that- 1. Defendant be cited to appear and answer herein ; 2.  Plaintiff be granted judgment against Defendants Experian Credit / & XXXX XXXX XXXX XXXX 3. Plaintiff be granted judgment against Defendants Experian Credit / & XXXX XXXX XXXX XXXX for Credit retaliation. 
4. Plaintiff be granted judgment against Defendants Experian Credit / & XXXX XXXX XXXX XXXX to pay 3X the amount of wages and job lost due to credit reporting {$120000.00} 5. Plaintiff be granted judgment against Defendants 40 % to 80 % of the outstanding balance of debt {$29000.00}. 
6. Plaintiff be granted judgment against Defendants for credit repair and reporting an increase of affected credit score. 
7. Plaintiff be granted judgment against Defendants for at least {$3500.00} as a reasonable attorneys fee/ exemplary damages and credit repair. 
8. Plaintiff be granted judgment against Defendants for all cost of Court :

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