Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XXXX ,   XXXX   XXXX   Requested that all bureaus remove this account as fraudulent. Please see attached CFPB report :   XXXX   XXXX   is in receipt of the complaint filed with the Consumer Financial Protection Bureau  ( " CFPB '' ) by   XXXX     XXXX   XXXX .  XXXX   XXXX  understands that   XXXX   XXXX   's      CFPB complaint disputes the status of an alleged debt reported to credit reporting agencies and that she 's received threatening and harassing communications in an attempt to collect an alleged debt.   XXXX   XXXX   records indicate a loan in the principal amount of {$1100.00} from  XXXX   XXXX   XXXX ,  XXXX  was obtained online through  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   by completing a loan application and signing the loan agreement on    XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX   dba  XXXX  operates as a registered Texas  XXXX   XXXX   XXXX  ( "  XXXX  '' ) matching borrowers with willing, unaffiliated lenders and servicing the resulting loans. Records indicate the loan proceeds were obtained in cash by visiting a   XXXX   XXXX   location in  XXXX , Texas using   XXXX   XXXX  's     Texas state issued Identification Card. There was  one p ayment in the amount of {$240.00} successfully made on   XXXX   XXXX   XXXX    toward the outstanding loan account. The loan account was placed into default status on    XXXX   XXXX   XXXX    when no payment was received on the next due date.  XXXX   XXXX  attempted to contact   XXXX   XXXX   in attempt to bring her account current but was unsuccessful.   XXXX   XXXX   placed the defaulted loan account with its third-party debt collection agency   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    (  "   XXXX   XXXX   '' ) on   XXXX   XXXX   XXXX    XXXX   XXXX  attempted to contact   XXXX   XXXX   but was also unsuccessful.  XXXX   XXXX  began reporting the status of the delinquent loan account to credit reporting agencies on    XXXX   XXXX   XXXX   , as allowed by contract. On   XXXX   XXXX   XXXX  ,  XXXX   XXXX  received a CFPB complaint by   XXXX   XXXX   disputing the debt as fraud. In the complaint,   XXXX   XXXX   provided a copy of the Federal Trade Commission Identity Theft Affidavit supporting her claim.  XXXX   XXXX  returned the fraudulent account to  XXXX   XXXX  and made the proper entries online through   XXXX   to remove the tradeline from   XXXX   XXXX  's   consumer credit reports.   XXXX   XXXX   should be aware that it may take the credit reporting agencies up to  30 d ays for the consumer 's credit history to update.  XXXX   XXXX  has moved the loan account to fraud status and blocked any further collection activity. In reference to the threatening and harassing emails received by   XXXX   XXXX  , in an attempt to collect the alleged debt,   XXXX   XXXX   records indicate that no attempt has been made to contact   XXXX   XXXX   by either   XXXX   XXXX   or   XXXX   XXXX   since    XXXX   XXXX   XXXX   . The emails referred in   XXXX   XXXX   's complaint are not from  XXXX   XXXX  or  XXXX   XXXX .  XXXX  /  XXXX   XXXX  and its third-party debt collection agency,   XXXX   XXXX  , abide by the Fair Debt Collection Practices Act and do not engage in threatening or harassing tactics in order to collect legitimate debt.  XXXX   XXXX  is aware that, unfortunately, bad actors are posing as  collectors for legitimate lenders in an attempt to defraud unsuspecting consumers by means of threats and harassment.   XXXX   XXXX   is in receipt of the complaint filed with the Consumer Financial Protection Bu reau ( " CFPB '' ) by    XXXX   XXXX   XXXX    XXXX   XXXX  understands that   XXXX   XXXX    's  CFPB complaint disputes the status of an alleged debt reported to credit reporting agencies and that she 's received threatening and harassing communications in an attempt to collect an alleged debt.   XXXX   XXXX   records indicate a loan in the principal amount of {$1100.00} from  XXXX   XXXX   XXXX ,  XXXX  was obtained online through  XXXX   ( "      XXXX   XXXX   '' ) by completing a loan application and signing the loan agreement on   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   dba  XXXX  operates as a registered   XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ) matching borrowers with willing, unaffiliated lenders and servicing the resulting loans. Records indicate the loan proceeds were obtained in cash by visiting a   XXXX   XXXX   location in  XXXX , Texas using   XXXX   XXXX   's    Texas state issued Identification Card. There was  one p ayment in the amount of {$240.00} successfully made on  XXXX   XXXX ,  XXXX , toward the outstanding loan account. The loan account was placed into default status on   XXXX   XXXX   XXXX   when no payment was received on the next due date.  XXXX   XXXX  attempted to contact   XXXX   XXXX   in attempt to bring her account current but was unsuccessful.   XXXX   XXXX   placed the defaulted loan account with its third-party debt collection agency   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   ( "    XXXX   XXXX   XXXX  '' ) on   XXXX   XXXX   XXXX  .  XXXX   XXXX  attempted to contact   XXXX   XXXX   but was also unsuccessful.  XXXX   XXXX  began reporting the status of the delinquent loan account to credit reporting agencies on   XXXX   XXXX   XXXX  , as allowed by contract. On   XXXX   XXXX   XXXX  ,  XXXX   XXXX  received a CFPB complaint by   XXXX   XXXX   disputing the debt as fraud. In the complaint,   XXXX   XXXX   provided a copy of the Federal Trade Commission Identity Theft Affidavit supporting her claim.  XXXX   XXXX  returned the fraudulent account to  XXXX   XXXX  and made the proper entries online through  XXXX  to remove the tradeline from   XXXX   XXXX   's consumer credit reports.   XXXX   XXXX   should be aware that it  may  take the credit reporting agencies up to  30 d ays for the consumer 's credit history to update.  XXXX   XXXX  has moved the loan account to fraud status and blocked any further collection activity. In reference to the threatening and harassing emails received by   XXXX   XXXX  , in an attempt to collect the alleged debt,   XXXX   XXXX   records indicate that no attempt has been made to contact   XXXX   XXXX   by either   XXXX     XXXX  or   XXXX   XXXX   since   XXXX   XXXX   XXXX  . The emails referred in   XXXX   XXXX   's complaint are not from  XXXX   XXXX  or  XXXX   XXXX .  XXXX  /  XXXX   XXXX  and its third-party debt collection agency,   XXXX   XXXX  , abide by the Fair Debt Collection Practices Act and do not engage in threatening or harassing tactics in order to collect legitimate debt.  XXXX   XXXX  is aware that, unfortunately, bad actors are posing as  collectors for legitimate lenders in an attempt to defraud unsuspecting consumers by means of threats and harassment.

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