Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
What happened? 
Over the last XXXX ( XXXX ) years I, XXXX  XXXX XXXX XXXX ( " Consumer '' and/or " Plaintiff '' ), have been DENIED access to extended credit opportunities via Credit Cards XXXX Lines of Credit for my Businesses , and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my " Secret '' level security clearance restored because of the fraudulently perceived " Bad Credit '' image that has been falsely stained my character by XXXX, XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX XXXX  ( PHEAA ), XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX, XXXX, and other XXXX XXXX XXXX ( individually and/or collectively the " CRA '' and/or " Defendant '' and " Disputed Account Holders '' ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, XXXX, et seq. I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because XXXX XXXX ) reported by " Credit Score '' to them at a XXXX rating ; and XXXX ) have negatively and falsely reported me having over XXXX instances of " DELINQUENCIES '' and/or " LATE PAYMENTS '' over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & XXXX I've constantly disputed the accuracy of the information in my credit file over the last 5 years. Most recently, on or about XX/XX/XXXX, XXXX University posted a Collections on my credit file for all CRAs in the amount of {$17000.00} and I want to know WHY????? The last semester I attended XXXX was the Fall of XXXX ... and this was NEVER on my CRA accounts until XX/XX/XXXX?? THIS IS NOT MY ACCOUT NOR DEBT!!! This needs to be resolved ASAP because this issue is both putting my XXXX XXXX in jeopardy and it is interfering with my purchase of a home that I'm due to go to closing within the next 30 days. As such, the actual damages sustained by the XXXX as a result of the Breach of Contact, Theft, Breach of Fiduciary Duty, Negligence, XXXX XXXX, and other collective acts of the Defendants include, but are not limited to : Financial monetary loss of {$20000.00} in XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Financial monetary loss in the {$590000.00} appraised market valuation of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the {$7800.00} in monthly income from the Billboard and Cell Tower revenue from the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the lending of {$750000.00} in capital from XXXX Bank for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference with the planned future Planned Unit Development ( XXXX ) Mixed-use rezoning of the property valued in excess of {>= $1,000,000} USD due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference in the lending of {$750000.00} in capital from Plaintiffs new lender, " Cleared for Closing '' for the Acquisition and Development of the Subject Property due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference regarding the XXXX separate Real estate appraisals and fees that the XXXX paid for to support his cash-out refinance of his XXXX asset properties totaling over {>= $1,000,000} in valuation due to decreased credit ratings and inaccurate reporting. Financial monetary loss and Tortious Interference with the planned future redevelopment of the site into XXXX Multifamily Apartment units with a planned estimated investment and valuation in excess of {>= $1,000,000} due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX Bank due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX of XXXX XXXX, GA due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX of Georgia due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX government due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Veteran Affairs due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX Department of Treasury. Tortious Interference with Plaintiffs business relationship with the XXXX Department XXXX Housing and Urban Development due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with the XXXX XXXX XXXX and other local and national media outlets due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with XXXX XXXX XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs business relationship with Georgia XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs image, brand, and likeness for XXXX XXXX XXXX and XXXX XXXX, XXXX due to decreased credit ratings and inaccurate reporting. Tortious Interference with Plaintiffs reputation and good name due to decreased credit ratings and inaccurate reporting. XXXX, emotional, XXXX XXXX XXXX XXXX Negligence Criminal Negligence Negligent Infliction of XXXX, emotional, XXXX XXXX and XXXX. Breach of Duty of Good Faith and Fair Dealing. Breach of Fiduciary Duty Breach of Contract Others to be determined. Furthermore, under Georgia law, damages for mental suffering and emotional anguish can be recovered, when there is an intentional infliction of mental distress, without a showing of contemporaneous physical harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX 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 explanation