Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NE
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:
New and updated information regarding the previous dispute with XXXX. 

First pointing out that XXXX, the false statements XXXX has included in he response. Since XXXX did not submit the alleged payment history through his response in the CFPB I will attach here myself along with proof from two different reports showing the inacurracies and false information that XXXX knowingly and willfully just admitted was accurately reporting but clear proof that he is choosing to ignore the law. 

First the alleged payment history XXXX sent over has an account number showing : XXXX however on my Experian report the account number is : XXXX and on my XXXX report the account number is also : XXXX. 

The alleged payment history that XXXX provided along with his statement that XXXX " it is our responsibility to uphold accurate reporting even if that means it isn't always a positive one '' shows the account was opened XX/XX/XXXX. Just as XXXX stated in his response, however my reports pulled on XX/XX/XXXX following XXXX 's response shows that XXXX does not uphold their responsibility of accurate reporting because the date on my Experian and XXXX report shows the account was opened XX/XX/XXXX. 

Also the alleged payment history XXXX provided also shows the late payment dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX however my reports pulled on XX/XX/XXXX shows otherwise. My XXXX report is showing XXXX, XXXX, XXXX, and XXXX of XXXX with all late payments is also showing XXXX, XXXX, XXXX, and XXXX. 

Also XXXX says the account was closed and fully paid off by XXXX XX/XX/XXXX, However the chargeoff date on my Experian report is XX/XX/XXXX and if the account was " paid '' off how is there a balance at all. 

Also if there is a balance why does the balance show {$10.00} on both reports when the alleged payment history XXXX provided states {$1.00} per late month a total of 4 months so the alleged balance would be {$4.00}. 

XXXX you have not only falsified statements to myself and the CFPB but you also have willfully and knowingly furnished false and inaccurate information to my consumer report to tarnish my reputation. 

My next step will be legal action as you have not provided an accurate itemization of the alleged balance of {$10.00}. I also will like the terms of conditions that I signed in which you mentioned in your response. 

CFPB I am seeking justice from XXXX and XXXX who is an officer of XXXX in violation of 15 USC 1681s-2 and 15 USC 1681i by not doing a thorough investigation and by willingly furnishing inaccurate information. Also violation of 15 USC 1692e ( 2 ) by using false characters and amounts to collect on a debt, 15 usc 1692g by not providing sufficient verification of the alleged debt, 15 usc 1692j by furnishing deceptive forms such as the alleged payment history that does not go with XXXX 's statements nor my consumer reports, 15 USC 169k by failing to comply with the FDCPA, 15 USC 1681n and 15 USC 1681o by negligent and willfully complying with the FCRA.

This also shows a conspiracy of identity theft pursuant to 18 USC 18028a with XXXX, XXXX, Experian, and XXXX by the accepting of payments to furnish fraudulent information.

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