Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a dispute with XXXX and Experian on XX/XX/2022, regarding inaccurate information being reported on my credit reports by XXXX. Via my credit report alerts, I was notified that XXXX and Experian began reporting the inaccuracy on XX/XX/2022. The inaccurate reporting has dropped my credit score by over 70 points. I had emailed XXXX prior to the reporting on XX/XX/XXXX, notifying them of an ongoing identity theft issue though I paid my account in full. And have since then, emailed customer support at least three times providing them with a copy of the identity theft report with a detailed timeline though I paid my XXXX account balance in full. I also emailed the CEO and called and spoke with a gentleman twice about making the correction. The gentleman reached at XXXX customer service stated that the CEO, XXXX XXXX doesn't handle the reporting side of XXXX. After verifying my account and identity, he then proceeded with telling me that he sees my account is in good standing with a {$0.00} balance. I explained to him, that is NOT what the credit bureaus are reporting and that agents of the credit bureaus stated an outstanding balance of {$1100.00} is the information that XXXX is reporting. I also explained to the gentleman that the agents at the credit bureaus stated that though I provided them with proof that I do NOT owe XXXX, XXXX has to make the correction with them. The gentleman stated that wasn't true and that I could dispute the account inaccuracy with the credit bureaus. He also stated the credit bureaus had not contacted XXXX to make the correction. All of which I learned was in fact a lie. 

I called the credit bureaus AGAIN. I was transferred to a supervisor in Experians fraud department. Upon the supervisor reviewing my supporting documentation submitted with the dispute and XXXX 's reporting data, the Experian supervisor stated that Experian was only reporting the information that XXXX had reported to them. The supervisor went on to state that the last time XXXX had reported any data or information on my account was XX/XX/XXXX of 2022 and that XXXX is required by law to report accurate up to date information EVERY 30 days. Pursuant 15 USC 1681, states ALL creditors and consumer reporting agencies reporting information about consumers have a LEGAL obligation under the FCRA 's furnisher rule to 1. ) furnish information that is accurate and complete and 2. ) investigate consumer disputes. NONE of which has been done by XXXX, XXXX, or Experian. The Experian supervisor also advised me that Experian has requested XXXX to update the inaccurate account information on XX/XX/2022 and again on XX/XX/2022. She stated on XX/XX/2022, XXXX immediately replied to leave the data as is reporting. She stated that when I provided Experian with supporting documentation on XX/XX/2022, Experian notified XXXX again ; however ; with supporting documentation, XXXX did NOT respond. She further stated as of XX/XX/2022, XXXX still had not responded. 

Since speaking with one of the supervisors at Experian, I have contacted XXXX twice more. I spoke with the gentleman in which I originally spoke who assured me the issue would be resolved. He asked me to email XXXX customer support again, which I did on the very same day of XX/XX/2022. The gentleman stated that he would forward the information to the data reporting department. Without reviewing my dispute in its entirety or doing a thorough investigation into the matter, a XXXX data reporting representative named XXXX emailed me the next day on XX/XX/2022 stating the reporting ( inaccurate and not up to date ) data would remain on my credit report. I emailed XXXX back stating that I had been advised by Experian that XXXX had not provided up to date accurate information since XX/XX/2022. I also notified him that I would be proceeding with filing a dispute and claim with the CFPB and FTC. I took the initiative to also make a report with the XXXX XXXX XXXX on XX/XX/2022. 

The consumer reporting agencies broke the law and are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed, I would like to make it clear that consumer reporting agencies and those in authority at the consumer reporting agencies were made aware by Congress that the banking system is dependent upon consumer reports being fair, and accurate once they assumed the role of being a consumer reporting agency. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) Congress made it clear to consumer reporting agencies that they are an elaborate mechanism with no real standing, or authority. Pursuant 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies were not appointed this role by Congress. They assumed this vital role, and because they have assumed this vital role they have negatively affected my life, and the life of those around me by causing me severe hardship, mental anguish, and anxiety. I have been charged higher auto insurance premiums, higher surety bond insurance premiums, and unable to obtain personal guarantee business credit because of the consumer reporting agencies assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) By the credit reporting agencies assuming this role, they are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agencies were unfair and impartial by reporting erroneous information without consulting with me, the consumer, first. They have no proof that the information they are reporting is correct or even took place because they were not present. A creditors statement is not proof. Experian and XXXX were also impartial because of their reporting erroneous information while hearing only one side of the story. They infringed upon my right to privacy as well by engaging in a conversation about me with a third party, then reporting this information resulting from the third party conversation. I am demanding that this erroneous information be removed immediately by the consumer reporting agencies. 

Pursuant 15 USC 1681 ( a ) ( b ) The consumer reporting agencies failed to meet commerces needs because this was unfair and inequitable to me. Information the consumer reporting agencies are reporting about me is not only inaccurate, but also irrelevant. Neither was this erroneous information utilized properly in a manner that was or is equitable to me. Even if this transaction occurred, it should have been confidential. They in fact, betrayed my confidence. 

Pursuant 15 USC 1681a ( 2 ) ( i ) Consumer Report does NOT include ANY report containing information solely as to transactions or experience between the consumer and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ) making the report. The consumer reporting agencies are in violation of this law because even if the transaction did occur which they have no way of knowing due to not being present for the transaction, it was to be excluded from my consumer report because it would have been a private transaction that solely occurred between me and the person who allegedly made the report. 

The consumer reporting agencies have assumed a role of life or death over my life, therefore, they must rectify this matter. Again, the outcome I demand from the consumer reporting agencies regarding the XXXX account, is to not only update the account to reflect accurate information, but to also remove this account completely from my consumer report. Thanks for your time, concern, and assistance with resolving this matter.

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