Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
Experian consistently disregards the FCRA laws surrounding proper investigation into Consumer disputes as well as new Covid Cares Act and Federal Bankruptcy Court Rulings affording a fresh start to XXXX survivors. 

XXXX XXXX sent a letter approximately a month ago to an old address of mine, luckily it was forwarded and I received with XXXX weeks to spare in order to initiate a dispute under FCRA ( It was not a conventional letter, it was an invoice which was odd ). They were a junk debt buyer attempting to collect {$20000.00} from a Covid Eviction Case I was working in tandem with XXXX management to get paid by the OUR XXXX  Pandemic Assistance. Since the Landlord was actively involved in obtaining payment - Cares Law was broken. The debt was paid in full by the Pandemic Benefits Program. I included info explaining Cares Law pertaining to Covid Evictions and Hardships- he could not have cared less. 

Choice Recovery was informed immediately that the debt was satisfied LONG before his involvement, I sent iron clad documentation furnished to me by the government proving same. Instead of ceasing activity or requesting time to verify the info I provided, The agent immediately placed the Fraudulent Collection Accounts on all my Bureau Reports. To make matters worse, he further falsified the records : My date of delinquency was XX/XX/XXXX. He reaged it to XX/XX/XXXX, inflated the amount " owed '' and simply placed a comment stating " Consumer Disagrees ''!! Well this destroying my credit and left me without a vehicle as I lost my car loan since my score plummeted nearly 50 points! 

This account was first paid on XX/XX/XXXX, although the check was somehow misplaced by landlord as it is sent directly to them by XXXX the Pandemic Assistance Gov't Agency. I had the check reissued and it was cashed by them on XX/XX/XXXX the government supplied me with a copy of the check, proof it was deposited by them ... .case closed. 

I turned to Experian knowing they would not likely be on my side as they automatically deny all investigations, do not provide the reason why nor do they share results of their investigation despite proper demands for proof. All disputes are always closed either the same day or 2 days later as " accurately reported. '' Well they really should have taken this case seriously as it is clear as day- they lied about the disposition of this issue. 

I have countless cases I've tried to settle with them in the past, all handled the same way with evidence straight from the original creditors. They end up " accurately reported '' with the derogatory tradeline being reaged with all original reported information the creditor provided replaced with excessive and out of order 150 and 180 late payments on accounts which were sold to other lenders or charged off 6 months before. They report my payment history 30 late, 120, 120, 150, 150, 180, 180 ... then they inflate balances or include repossession remarks and statuses which do not apply ... yet all are verified and accurate! I have all monthly credit reports showing actual creditor reporting - and Experian updates. 

I don't know how they are allowed to stay in business .... 

I have become afraid to try to dispute anything regardless if it's unjust as they have a way of destroying you further. I hope you can help - Litigation will have to be my next step. They need to be held accountable and stop destroying lives for as long as they have been able to.

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