Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/2020 EXPERIAN AND XXXX XXXX XXXX XXXX FRAUD VICTIMIZE THE VICTIM ERRONEOUS, INACCURATE, MALICIOUS, VINDICTIVE, OPPRESSIVE, AND RETALITORY CREDIT REPORTING THAT MUST BE STOPPED. PLEASE SEE : XXXX : XXXXXXXX XXXX Dear Above Noted Consumer Protection Specialists : My name is XXXX XXXX. I am a 2-and-a-half-year victim to the attached Experian and XXXX XXXX XXXX agent documented and willful organized fraud crimes. In retaliation, to reporting the attached, indisputable, organized fraud XXXX car crimes, and not accepting a XXXX XXXX and XXXX XXXX XXXX, in writing, documented salvaged, used, loaner car, which was labeled as NEW, they have criminally planted monthly fraud on my credit report, under the disguise of late payments for a dealer documented used and salvaged car, advertised as NEW, that I have not accepted and I have not been in possession of. 

These inaccurate, retaliatory and fraud-based credit reporting obstructions of FCRA and FDCPA consumer protection laws have to be stopped. They serve no lawful purpose. Experian was not created to and should not be used to advance organized fraud car crimes, that deliberately destroy good-standing credit consumers. 

Exhibit 17 is the XX/XX/2020 XXXX XXXX XXXX monthly fraudulent late payment credit reporting, for a dealer documented salvaged car I did not accept. This late payment fraud is on my credit as the only late payment ever and I have no account, no car, no binding contract with these XXXX XXXX XXXX XXXX XXXX. Experian has been used for the last two years to exploit, target, further oppress and further harm victims of organized fraud car crimes. I seek an end to this malicious, uncivilized, and lawless practice. 

I demand proof of Experian verification and or removal of this 2 year, indisputable, attached documented, XXXX XXXX XXXX organized fraud on my credit report. 

I seek answers. Why is this XXXX XXXX XXXX dispute on my credit report as verified? Where is the verification? How do you verify fraud? How do you disregard the attached XXXX XXXX XXXX car fraud documents and state verified? When is fraud verified? Under what law is fraud verified? How do you overlook a car lease with dealer documented, salvage, used, and loaner car documents with a lessee unsigned new car contract? How do you obstruct NYS car lease laws which entitle lessors to a signed vehicle lease contract in front of the lessor? 

The XXXX dealer did not sign any contract in front of me and NYS law requires such. Why is an agent in Experian reporting this non verifiable, defamation, inaccurate fraud-based XXXX XXXX XXXX on my credit report as verified, while having nothing to verify or justify the attached, in writing, XXXX XXXX XXXX organized fraud car documents? Why is this XXXX XXXX XXXX XXXX on my credit report? Is there an Experian agent planted and getting paid to promote fraud at the expense of harming consumers? 

In exhibit 1 attached, you will see a dealer unsigned, XXXX XXXX XXXX NEW CAR scam contract. This dealer unsigned contract references a new car. However, in exhibits 4, 5 and 6, you will see XXXX XXXX and XXXX XXXX XXXX XXXX car paperwork documenting that the alleged new car, is a used car, a salvaged car, a loaner and a demonstrator car. They also criminally gave me a used car vehicle cash purchase agreement. This is fraud. Why is this fraud on my credit report disguised as late payments? Late payments for what? I did not accept the dealer documented salvaged, used, loaner car. Would you? 

When and where in history could one car be contracted as new, used, salvaged, and as a loaner car? What contract laws authorize this fraud to be investigated as verified or lawful? Under what law is this car fraud investigated as verified. Explanations are needed. 

Please see the below exhibits where this same car with its XXXX XXXX XXXX dealer unsigned new car lease contract, turned into a used loaner car contract. Please see exhibits 1 and 7 where this same XXXX XXXX XXXX alleged new car lease contract turned into a salvaged documented used car contract. 

In exhibit 2 you will see a copy of NYS Article 9-A - ( 330 - 353 ) MOTOR VEHICLE RETAIL LEASING ACT, Section 337 - Requirements as to retail lease agreements. This car lease law clearly states : THE LESSEE IS ENTITLED TO A COMPLETELY FILLED IN COPY OF THE AGREEMENT WHEN HE OR SHE SIGNS IT, NOT THE DAY, MONTH, OR YEAR AFTER! 

The XXXX XXXX XXXX XXXX agents refused to sign the car lease contract when it was signed pursuant to the above law, as exemplified in exhibit 1, part 3. There is no binding contract. The XXXX car dealer was dodging accountability by not signing the alleged new car contract. Why? 

In exhibit 4, you will see additional XXXX XXXX XXXX and XXXX XXXX indisputable organized fraud that is criminally planted and summarized on my good standing credit report, under the malicious disguise of late payments. This document states that the XXXX XXXX XXXX alleged new car contract with no signature, turned into A USED CAR VEHICLE CASH PURCHASE AGREEMENT. This is fraud. There can not be a new car contract and a used car agreement, for one car transaction. Please stop this XXXX XXXX XXXX organized fraud and retaliation by defaming my credit report with this non verifiable, inaccurate fraud-based late payment retaliation on my credit report. 

Would anyone reading this want or allow this XXXX XXXX XXXX organized fraud and retaliation to be advertised on ones credit report under the disguise of late payments? Late payments for what? I am not in possession of and did not accept the organized fraud paperwork salvaged car. When in history does one get billed for late payments for a dealer documented, used, salvaged, loaner and junker car advertised as new, and get billed for this fraud while the dealer is in possession of his very own junker car? Why is Experian being criminally used as the channel to further victimize victims of organized fraud car crimes by allowing, indisputable organized fraud retaliatory credit reporting? 

Why are Experian agents disregarding organized fraud car crime documents and obstructing consumer protection laws against organized fraud crimes? I seek answers. 

In exhibit 5, you will find another XXXX XXXX and XXXX XXXX XXXX XXXX organized fraud document titled : NOTICE TO USED VEHICLE BUYER. This document is indisputably in conflict with exhibit 1 car dealership advertised new car unsigned contract. These 2 car dealership documents exemplify pure organized fraud and deceptive business practices and under the FDCPA, FCRA and NYS false advertising law. The posting of this fraud on my credit report, under the disguise of late payments to this fraud, while there is no late payment to this fraud, is clear willful inaccurate and malicious credit reporting.

In exhibit 6, you will find another XXXX XXXX and XXXX XXXX XXXX XXXX organized fraud document titled : Demonstrator and Loaner Car document. Please note that the XXXX XXXX XXXX unsigned new car lease contract conflicts with the used loaner car document. These 2 car dealership documents exemplify pure fraud and deceptive business practices under the FDCPA, FCRA, and the FCBA. The posting of this fraud on my credit report, under the disguise as late payments to this fraud, is clear willful inaccurate credit reporting. 

In exhibit 7, you will find another XXXX XXXX and XXXX XXXX XXXX XXXX organized fraud document titled : Odometer and Damage Disclosure and salvage documentation. Please note that the XXXX XXXX XXXX unsigned new car lease contract, again, conflicts with the dealers salvage, odometer, and damage disclosure scam documents. One car can not be new, damaged and salvaged. These 2 car dealership documents exemplify pure fraud and deceptive business practices and under the FDCPA, FCRA, and the FCBA the posting of this fraud on my credit report, as late payments to this fraud, is clear willful inaccurate credit reporting. Please stop this fraud and exploitation. 

In exhibit 17, you will find XXXX XXXX XXXX XXXX, most recent, monthly, XX/XX/2020, criminal, malicious, unauthorized and fraudulent credit reporting on my Experian credit report, under the disguise of late payments. Under no conditions should this victimize the consumer, indisputable criminal organized fraud car crimes be on my good-standing credit report, particularly while there is no late payment for anything. 

In exhibit 9, you will find the criminal offenses the XXXX XXXX XXXX XXXX criminals have administered without penalty. Hence, Experian has facilitated the XXXX XXXX XXXX organized fraud crimes by allowing the vindictive and fraud-based credit reporting for over 2 years. 

The XXXX penal code enforcement, coupled with the XXXX Experian fair and accurate credit reporting, coupled with the XXXX XXXX XXXX XXXX, salvaged, unsigned, and unaccountable car contract, looks like a multifaceted, organized fraud, criminally insane, covert XXXX plot and program, in my professional opinion. This should not be allowed and this type of deeply rooted organized fraud, which kills, must be destroyed, on behalf of civilization. 

In exhibit 10, I have cited some of the FCRA and FDCPA violations the XXXX XXXX XXXX XXXX has incorporated in maliciously using unregulated organized fraud to defame my good-standing credit report. I seek the enforcement of consumer protection laws which mandate proof of verification and the removal of all of the attached documented XXXX XXXX XXXX organized fraud, including their imaginary charge off, disguised as late payments, off of all of my good-standing credit records. 

Please note that the XXXX XXXX XXXX XXXX is not a closed account. It is an inaccurate fraud account that should not get free advertisement on my credit report. Please remove this fraud off my account. They criminally used my information for the above documented organized fraud car sales, lease, new car, leased car, loaner car, salvage car fraud. Please remove this. I have again attached the identity theft report link. 

Consumer XXXX XXXX is a XXXX XXXX XXXX fraud victim. XXXX XXXX XXXX XXXX scammed her by trying to lease and dump on her a documented salvaged, used, and loaner car as new. The paper work can not lie. Experian and XXXX XXXX XXXX XXXX involved themselves in a relentless, documented organized fraud car scam, criminally administered with retaliatory, malicious, and vindictive inaccurate credit reporting. 

In closing, on behalf of public safety and consumer protection law enforcement, an end to organized fraud car crimes, is needed. Please stop these Experian allowed retaliatory, malicious, inaccurate, further victimize the victim, credit reporting, with no proof of any verification. These deceptive and criminal practices serve to facilitate car dealership organized fraud car crimes that kill innocent people. Immediate and complete XXXX XXXX XXXX deletions off my credit record are sought pursuant to 2-721. Remedies for Fraud. I look forward to answers to the above questions. Thank you. 


Sincerely,

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