Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I submitted the following disputes which were rejected by Experian who discriminates and retaliates against XXXX XXXX Americans when they are attempting to correct erroneous information on their Credit Report. They have also retaliated against me when I reported them in the past regarding XXXX XXXX XXXX XXXX who is still reporting erroneous information on my report and recently added an invalid and fraudulent Comment on my Experian Credit File which negatively impacted my scores by 45 Points! XXXX is now also reporting an incorrect Balance with Experian, since I filed a dispute with CFPB in retaliation to a Comment which should not be on our file. XXXX fraudulently updated the information to state we did a Loan Modification in XXXX under a Govt Program which is totally incorrect and we are requesting this information be Removed from my file and my Husband 's file as well which is associated with the same address. XXXX, also went further in their retaliation tactics to show a lower balance to camoflauge a Illegal Comment placed on our account in XXXX Negatively impacting us from qualifying for Refinancing due to Mortgage Mid-Score Impact. Experian and XXXX both know how the Credit Scoring System works Against XXXX XXXX-Americans who are attempting to refinance with lower interest rates and obtain the Equity within their Homes. This is just another systemic XXXX tactic utilized by both Experian and XXXX XXXX XXXX  to stop and block XXXX XXXX American and U.S. Veterans from Refinancing their Homes with Cash/Out options!!! They have been doing this for years just to Suppress, Oppress and further XXXX XXXX XXXX-Americans who are attempting to get ahead financially. The false and pretentious calls from XXXX are nothing but a cover-up knowing they will not attempt to assist XXXX XXXX Americans to truly be positioned with lower interest rates when attempting Refinance because of their evil Credit Scoring System devised against XXXX XXXX Americans! 

Also, Experian denied me the opportunity to dispute other Erroneous Credit Information on my Credit File to include the following under Accounts with Dispute Type and/Comments as follows which still need to be addressed and deleted/updated on my Credit File : 1. XXXX XXXX  - Account Paid in Full 2. XXXX XXXX XXXX - Incorrect Balance - Should have been paid off with Credit Insurance based on reporting Economic and Medical Hardship during XXXX. 

3. XXXX University - Account Number ending XXXX - Should not still be reporting Late Payments because the Account was Closed in XXXX and I spoke with the Credit Union Rep by the name of XXXX who stated I should dispute this and it will be corrected because Experian is still reporting it as Late Payments which restarted Negatively Impacting my Credit Score in XX/XX/XXXX by 45 Points! This hit was done by Experian Credit Scoring System based on their claim that the XXXX was still reporting late payments which is a XXXX!!! This was confirmed by XXXX - Mgr with XXXX XXXX XXXX XXXX. Again Experian utilizes Discriminatory and Retaliatory practices against XXXX XXXX-Americans who speak out against their illegal Tactics via a Computer Generated Scoring  System meant to Cripple, Hinder, Suppress, and XXXX  XXXX XXXX-Americans to Higher Interest Rates or ensure they are Blocked from any type of Refinancing and Wealth Building Opportunities, although they have Assets/Equity within their Home! They are Evil and Shrewd in their Illegal Credit Scoring System which need to be taken down by the FBI/SEC and the FEDS!!! 

4. XXXX/XXXX  - Was initially deleted from my file in XXXX and is now being reported again which is also Illegal and Double-Jeopardy on the part of XXXX XXXX  and Experian. The score was already negatively impacted in XXXX and now the Negative impact reappeared on my Credit File in XXXX XXXX!! This also Negatively Impacted my Scores by 30 Points!!!! Also, this Firm is being Sued by a Lawyer on my behalf because of their illegal Consumer Credit Law Practices!!!! 

5. XXXX XXXX XXXX  - Was Settled and Paid and should reflect accordingly on my Credit file but Experian Rejected this Dispute on yesterday as well. 

Experian rejected all 7 Disputes listed above based on Discriminatory Practices and Illegal fowl ways to Deny XXXX XXXX Americans the Opportunity to Dispute Erroneous, Inaccurate and/Illegal Information on their Experian Credit File. I had no problems disputing with the other 2 Credit Bureaus on yesterday ... Only Experian who utilizes Systemic XXXX  Tactics to code their Credit Scoring Systems!

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