Consumer complaint received 2022-06-10
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: Their investigation did not fix an error on your report

Complaint:
On several occasions I requested that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX XXXX XXXXXXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX XXXX  XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX XXXX  XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX  XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX XXXX  XXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX XXXX  XXXX XXXX XXXX, to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX AND XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX AND XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX  XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX  is removed from all Credit Reporting Agencies immediately

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