Consumer complaint received 2022-05-21
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:
GOODMORNing Experian, This is new and relevant information I'm disputing. The following accounts US Dept of EdXXXX XXXX and US Dept of EdXXXX XXXX was sent to XXXX as of XX/XX/XXXX. Since then the account has repeatedly been updated as a New Collection every month. This is an update in the payment history which to my understanding Collection accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

The following months was Marked " XXXX '' every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XXXX XXXX. 

The Payment history is missing the following years of positive payment history affecting my credit rating and drastically harming my credit score. Missing Payment XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I'm miss XXXX positive monthly payment experiences. XXXX entries in each tradeline. 

Continues to Report a balance and a past due amount. These accounts have been sold/transferred paid in full in XXXX. The account status should be " Pays as agreed '' and the payment History is incomplete and reporting information Derogatory when it should be in a positive standing. Please remove all Negative remarks in the payment history and then update everything to a positive standing. 

I would like to excursie my right to " OPT-OUT '' ALL CREDIT REPORTING. By law a person must have written permission from the consumer to furnish private information. 

Update all accounts or Remove the entire Tradeline. 

US Department of Education US Department of EducationXXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act Financial Injury- I HAVE A COPY OF ALL CREDIT DENIALS DUE TO YOUR NEGLIGENT REPORTING Ive given you time after time to update but because you failed to do a proper investigation. You Verified as Accurate without doing a reasonable investigation the right thing to do now is Remove the entire account. 

Once you have updated my consumer report please mail me a copy of the updated report! 

Supporting Evidence/Documents attached Best Regards, XXXX XXXX

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 non-monetary relief