Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XXXX, I have contacted Experian approximately 20 times through notarized, written correspondents and sent by certified mail to inform them of the more than 100 inaccurate pieces of information that they are furnishing on my credit report along with the violations of my rights. 


In accordance to the FCRA & FDCPA Experian and creditors are violating my rights and are in VIOLATION of the following : Violating Consumer Protection Afforded by the FCRA : Experian has furnished information without my permission. I have not granted. Permission in writing for furnish any information. Violation : 15 USC1681 SECTION 604 A Section 2 states that a consumer reporting agency can not furnish an account without written instructions from consumer.

Violating Consumer Protection Afforded by the FCRA : Violating Rights to Privacy : I do not consent to the information that currently furnished on. My consumer report and demand for the removal of the information in question. Violation : 15 USC 1681 SECTION 602 A States that I have the right to privacy. 

Defamation, Willful Injury : Experian refuses to correct information. After being provided proof of inaccuracy. Violation : FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ) Violating Consumer Protection Afforded by the FCRA : Experian has failed to respond to multiple written disputes within 30 days. Violation : FCRA Section 611 Part ( A ) ( 1 ) Violating Consumer Protection Under the FCRA : Experian has failed to conduct a proper investigation and delete all inaccurate and unverifiable information. Violation 1 Violating Consumer Protection Under the FDCPA : Experian and creditors have failed to report all disputed debts as disputed on consumer report. Violation : FDCPA Section 807 ( 8 ) Violating Consumer Protection Under the FDCPA : Experian and creditors have failed and refused to validate debt but continues to furnish on consumer report. Violation : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

Defamation, financial injury : Experian and creditors are reporting my credit history inaccurately. Violation : XXXX XXXX XXXX XXXX XXXX XXXX, No XXXX, XXXX vs. XXXX XXXX Violating Consumer Protection Afforded by the FCRA : Experian has failed to report all disputed debts as disputed on consumer report. Violation : FCRA Section 623 Violating Consumer Protection Afforded by the FCRA : Experian have Re-aged multiple accounts by reporting the date of the of the last activity instead of the date of the first delinquency. Violation : FCRA Section 605 Experian is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as US DEPT OF EDUCATION. 

US DEPT OF EDUCATION : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.

date of 1st delinquency is inaccurate and throws off the entire history of the ac count, different dates for last paid is being reported differently to the each bureau, inaccurate date last active, multiple open dates are being reported, Inaccurate balances and request for documentation proving so different information being. Reported to different bureaus, Past Due Balance is being reported even though this is a collections account inaccurate payment history, Open date reflects multiple inaccuracies ; multiple dates are reported as date open different payment history dates are being Reported Unverified account and requesting original documents of signed contract Account is reported as both a collections and a. Charge off Payment status is being reported differently across bureaus Experian is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE LATE PAYMENTS FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report. 

Late payments are inaccurately being Reported and are not consistent across all 3 bureaus Inaccurate payment history EXPLANATION OF EVIDENCE : &. ATTEMPTS TO RESOLVE THESE MATTERS Provided below is the timeline of correspondence to Experian that detailed all the above information regarding inaccuracies that have been blatantly furnished on my. Credit report over a 2.5. year time period. 

Each correspondence was. a typed or written document that was notarized and sent by certified mail to Experian. 

The following explains all requests mailed as well as responses or lack thereof from Experian. The documents that I have provided to support my complaint demonstrates that timeline that is described below. 

I have provided the notarized written correspondence that I have sent to Experian along with their responses to such correspondents. 








US Dept Ed : All following details refer to accounts that are displayed on my credit report as U.S. Dept Ed-Acct # XXXX XX/XX/XXXX : I Requested validation of debt and deletion of all unverified accounts XX/XX/XXXX : Experian. Responds and states that The company that. Reported the information has. Certified to Experian that the information is accurate. This item was not changed as a result as a result of our processing of your dispute. Experian fails to provide any documentation or legal vice showing validation of debt. 

XX/XX/XXXX : Second Request for validation. Of debt deletion of all unverified accounts XX/XX/XXXX : Experian states that The company that. Reported the information has. Certified to Experian that the information is accurate. This item was not changed as a result as a result of our processing of your dispute.. Again, Experian fails to provide any documentation or legal vice showing validation of debt. 

XX/XX/XXXX : I Requested validation of debt for a 3rd time along with deletion of unverified accounts XX/XX/XXXX : Experian responded Expected completion date : XX/XX/XXXX. However, they. Never replied with a completed investigation. Did not provide any validation of the debt. No documents, no contracts, no original signatures or other correspondents. 

XX/XX/XXXX : I Requested deletion of account due to the fact that there is a PAST DUE BALANCE reporting on these accounts, which are being reported as Collections. There shouldnt be a. Past due balance. Reporting on such an account. This is a violation of FCRA. 

XXXX : No response from Experian regrading inaccurate reporting of account and all Inaccurate account information continues to be furnished on credit report. 

XX/XX/XXXX : Sent 2nd request to delete these accounts on the basis of a past due balance reporting on a collections account. No response from Experian. 

XX/XX/XXXX : I Requested specific documents and method of verifying accounts, along with asking for original documents with my signature. Along with deletion of unverified accounts No response regarding the matter of providing documentation with my signature or any original documents demonstrating how these accounts have been. Validated. 

XX/XX/XXXX : I requested deletion of these accounts for the following inaccuracies : different dates for last paid is being reported differently to the each bureau, multiple open dates are being reported, inaccurate balances and request for documentation proving so, different information being. Reported to different bureaus, inaccurate date of delinquency, inaccurate payment history, inaccurate date last active, different payment history dates are being. Reported XX/XX/XXXX : I sent a 2nd letter that was notarized/certified mail : I requested deletion for the following inaccuracies : different dates for last paid is being reported differently to the each bureau, multiple open dates are being reported, inaccurate balances are being. Furnished. and I request for documentation proving so, different information being. Reported to different bureaus, inaccurate date of delinquency, inaccurate payment history, inaccurate date last active, different payment history and dates are being. Reported. I report deletion due to reporting of inaccuracies. 









XXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXX  : Acct. # XXXX. 

XX/XX/XXXX I sent a request for the removal of the inaccurate late payments that are being furnished on my credit report PERSONAL INFORMATION : All following details refer to accounts that are displayed on my credit report as Personal. Information XX/XX/XXXX - I Requested a personal information update XX/XX/XXXX : Some variations of my name and a few addresses were deleted from my credit. Report XX/XX/XXXX : I Requested to remove the. remaining inaccurate names, phone numbers and addresses XXXX : No response to my last request from Experian and all inaccurate personal information remained. 

XX/XX/XXXX : I Requested that Experian remove the remained inaccurate names, phone number, addresses NO RESPONSE! 

XX/XX/XXXX : I Requested the removal of remained inaccurate names, phone numbers, addresses, social security, employer - NO RESPONSE

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