Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ignoring & Breaking the XXXX will NOT go unpunished! I am BEYOND exhausted with having to dispute the same erroneous & inaccurate reporting to my credit files over & over again! 
XXXX XXXX Experian, I provided both of you XXXX, many times, that these statuses & statements on my credit reports were erroneous, inaccurate & illegal. You chose to IGNORE my Proof & take XXXX 's word, with NO proof of ANYTHING ... more violations. Even prior to the pandemic, XXXX & I were engaging in court proceedings for Mediation to agree on & finalize a Mortgage Modification, NOT A FORECLOSURE. 

Apparently fining you all is the only thing that will help you obey consumer Laws & STOP you from violating my consumer rights! 

I attended my XXXX XXXX for a status hearing for my Mortgage.m on XX/XX/XXXX @ XXXX. 
Your attorney was present to confirm this information. 

Although I sent proof to you XXXX times, In court today, your attorney claimed to have XXXX knowledge of my application submission to DC XXXX. I found this UNBELIEVABLE, but not surprising, given your business practices. My representative provided him & the judge proof... AGAIN. 

Therefore, As of XXXX, XX/XX/XXXX, a STAY has been issued for my the Foreclosure. What is a STAY of Foreclosure? This is anorder by a court that suspends ALL foreclosure proceedings, until DC XXXX has approved or denied my application. If I'm denied & choose to appeal, I am further protected until a decision for the appeal has been made. I informed you all XXXX times about this law : XXXX XXXX XXXX. My protections are XXXX clear. I will upload the XXXX XXXX from today 's status hearing. 

Furthermore, as of TODAY, XX/XX/XXXX, my XXXX, XXXX XXXX Experian need to reflect this Accurate and True information, per the Court Order : XXXX. My Mortgage Account status is XXXX. 

XXXX. As of XX/XX/XXXX, due to the pandemic, a XXXX XXXX has been innolacr for ALL homeowners affected by the pandemic. I am a homeowner affected by the pandemic. 

XXXX. There is absolutely NO current Foreclosure initiation nor proceedings, nor Bank Adjustments, nor Deed-in-Lieu, nor Bank Liquidations for my XXXX XXXX 
By XXXX : XXXX XXXX XXXX, you are not permitted to do either of the aforementioned. 

XXXX. I'm not disputing the delinquencies. So STOP using them to justify BREAKING the XXXX XXXX  LAW : XXXX XXXX and reporting erroneous & inaccurate information. All of this is XXXX. 

According to 15 U.S. Code 1681, 15 USC 1692e ( XXXX ) ( a ), You have willfully violated my consumer rights. If you fail to correct my mortgage account status to OPEN for all XXXX major bureaus AND remove all inaccurate, erroneous statements of Foreclosure, Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX major bureaus in 15 Days, according to the LAW : 15 U.S. Code 1717a, you will be held accountable and fined to pay {$1000.00} per violation. I reserve the right to commence in legal proceedings to recover the damages without further notice to you. This letter may be tendered as evidence of your failure to comply. 

Warm Regards, XXXX : XXXX Without Prejudice All Natural Rights Reserved

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