Consumer complaint received 2020-01-15
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:
I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with XXXX XXXX ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called XXXX XXXX, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years XXXX XXXX kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on XXXX, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of XXXX XXXX but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with Experian who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is XXXX XXXX, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state. EXPERIAN keeps allowing them to add/remove/adjust a re aged alleged debt and they are not doing their job in the dispute review to see that the dates on the original debt with [ XXXX XXXX then sent to XXXX XXXX and then the to XXXX XXXX and now to XXXX XXXX XXXX ( who is also XXXX XXXX ) ] has met its statute of limitations as of XXXX.

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