Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: GA
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:
The credit reporting agencies XXXX, EXPERIAN and the furnisher " XXXX XXXX XXXX XXXX '' are intentionally - Making misrepresentations about unsubstantiated debts -Threatening consumers with potential legal actions andinitiating debt collection lawsuits -without offering or possessing required documentation -Misrepresenting that it would provide certain documents within thirty days -Conducting unreasonable investigations XXXX XXXX XXXX '' furnished a new comment stating, " COMPLETED INVESTIGATION OF FCRA DISPUTE. CONSUMER DISAGREES ''.

Reporting a new balance SIGNIFICANTLY DIFFERENT from all of the previous reported balance. EVERY REPORTING HAS BEEN INACCURATE and FREQUENTLY updated/changed. Attachments reflect the inconsistencies and inaccuracies being furnished and reported and previous complaints.

Section 609 ( e ) ; 15 U.S.C. 1681g ( e ) Section 609 ( e ) requires a person, such as a financial institution, to provide records of fraudulent transactions to victims of identity theft within 30 days after the receipt of a request for the records. These records include THE APPLICATION and BUSINESS TRANSACTION RECORDS under the control of the person whether maintained by the person itself or another person on behalf of the institution. 

" XXXX XXXX XXXX '' is reporting on my credit file as of XX/XX/2023 ( status updated ) " Original balance {$1900.00} '' " Current balance {$1800.00} '' " Monthly payment of {$130.00} '' The statements are INACCURATE and INCONSISTENT with REPORTED INFORMATION. Statements were RECENTLY USED BY XXXX TO UPDATE MY FILE REFLECTING THE INACCURATE / FRAUDULENT STATEMENTS. 

The amounts and additional REPORTED INFORMATION in my file compared to statements received IS INCONSISTENT, INACCURATE, FALSELY Reported and FRAUD. As I have never received any amount reported and statements vary SIGNIFICANTLY. Furthermore, the LETTER attached FURTHER CONFIRMS ALL REPORTED DATA PROVEN TO BE INVALID, INACCURATE, INCONSISTENT and INTENTIONAL INACCURATE REPORTING. 

The statement amounts and reported amounts vary SIGNIFICANTLY. 
CURRENTLY being reported as '' VERIFIED AS ACCURATE " by the Credit Reporting Agencies, XXXX AND FURNISHED by " XXXX XXXX XXXX '' Copied ( attachments included in previous complaint ) : " XXXX Statement copied : - Principal XXXX - Unpaid Loan Balance XXXX '' ( INCONSISTENT/INACCURATE ) The fraudulent STATEMENT and WHAT IS BEING FURNISHED AND REPORTED IS INACCURATE AND INCONSISTENT. 

" XXXX Statement copied : Previous statement loan balance XXXX '' ( previous statement loan balance for XXXX reports a much higher loan even higher than the one currently being reported. 
FRAUD and inconsistent, inaccurate reportings. 

" Unpaid Loan balance XXXX '' ( FRAUD and INCONSISTENT/INACCURATE REPORTING ) Again, The STATEMENTS AND WHAT IS BEING FURNISHED AND REPORTED IS FRAUD INACCURATE AND INCONSISTENT. 

XXXX Statement text copied : " Previous statement loan balance XXXX '' " Unpaid loan balance XXXX '' - Once again, FRAUD INCONSISTENT/INACCURATE. 

XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

" Fraud involves thefalse representation of facts, whether by intentionally withholding important information or providing false statements to another party for the specific purpose of gaining something that may not have been provided without thedeception. '' XXXX. Furnishing certain deceptive forms " ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' ACCORDING TO FCRA : " If you have been the victim ofFRAUD DUE to false reporting, you are entitled to ask businesses for a copy of transaction records. For example, loan or credit card applications, and applications for credit relating to the fraudulent information furnished.

The businesses covered by the law must provide copies of these records, free of charge, within 30 days. 

Section 609 ( e ) FCRA states that " businesses are required to provide applications and business transaction records to help victims document fraudulent charges. '' " The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone. For example, if your business opened an account in the victims name, you are required to provide the records relating to the transaction '' " Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, ORIGINAL LOAN DOCUMENTS or APPLICATIONS. '' " XXXX XXXX XXXX '' FALSE REPORTING and FURNISHING FALSE INFORMATION TO THE CREDIT REPORTING AGENCIES WITHOUT DEBT VERIFICATION. I AM A VICTIM of FINANCIAL FRAUD due to false reporting, FRAUDULENT STATEMENTS. 

*All voice-mail recordingsWITH " THREATENING of legal action '' were SAVED. ( List FCRA VIOLATIONS ) - FCRA STATES " a consumer reporting agency is uniquely positioned to identify certain obvious inaccuracies and implement policies, procedures, and systems to keep them off of consumer reports. '' " Such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information. '' - Consumer reporting agency 's policies and procedures should be sufficient to detect tradelines with account statuses or codes that are plainly inconsistent with other information reported for that same account, such that, if included in a consumer report, at least one item of information therein would necessarily be inaccurate. 

- Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

- The failure to maintain reasonable procedures to screen for and eliminate logical inconsistencies, to prevent the inclusion of facially false data in consumer reports, is a violation of their FCRA obligation to follow reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the FCRA. 

" XXXX '' and " EXPERIAN '' were BOTH made aware of the false information with the reported FTC REPORT NUMBER RECEIVED WHEN FRAUD INVESTIGATION CASE WAS OPENED XX/XX/2023. 

XXXX and EXPERIAN are VIOLATING SECTION 607 ( b ) BY CONTINOUSLY REPORTING INCONSISTENT and FALSE INFORMATION. FAILURE to PROPERLY INVESTIGATE and RESOLVE CONSUMER DISPUTES.

INACCURATE REPORTING SHOULD BE PERMANENTLY REMOVED FROM MY FILE due to KNOWINGLY AND INTENTIONALLY REPORTING FALSE INFORMATION which in turn is ADVERSELY HURTING MY REPORTS. PER SECTION 607 ( b ) of the FCRA. 

BOTH " EXPERIAN '' AND " XXXX '' ARE REPORTING THIS ACCOUNT AS " UNCHANGED '' starting as of XX/XX/2023. THE CREDIT REPORTING AGENCIES continue to ALLOW '' XXXX XXXX XXXX " TO SUBMIT INACCURATE INFORMATION. XXXX XXXX XXXX XXXX HAS FREQUENTLY CHANGED REPORTED INFORMATION. 

I AM REQUESTING DEBT VERFICATION fully suporting every claim reported on my credit file FROM EACH CREDIT REPORTING AGENCY and FURNISHER THE START TO NOW FROM EACH CREDIT REPORTING AGENCY REFUSING TO DELETE NEGATIVE INFORMATION THAT IS ADVERSELY HURTING MY FILE. 

MY FILE HAS SIGNIFICANTLY BEEN AFFECTED DUE TO THE FURNISHING OF INACCURATE INFORMATION ALONGSIDE THE FREQUENT NEGATIVE REPORTING BY " XXXX XXXX XXXX. '' FCRA STATES : The businesses covered by the law must provide copies of these records, free of charge, within 30 days of receiving the request for them in writing. 
The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the FCRA including this requirement, which is known as Section 609 ( e ) This account from " XXXX XXXX XXXX '' has been furnishing INACCURATE INFORMATION. " XXXX XXXX XXXX '' FURNISHING AND REPORTED MULTIPLE AMOUNTS NEVER RECEIVED. KNOWINGLY FALSIFIED REPORTING OF INACCURATE INFORMATION which is CONSIDERED FRAUD. 

" Financial statement fraudis the deliberate misrepresentation of the financial condition of a company accomplished through the intentional misstatement of amounts or disclosures in the financial statements with the intent to deceive the financial statement users. '' The STATEMENT IN COMPARISON TO WHAT IS BEING FURNISHED AND REPORTED IS INCONSISTENT AND INACCURATE. 

The furnished information compared to the fabricated statements DOES NOT reflect what is being reported by " XXXX XXXX XXXX '', " XXXX '' nor " EXPERIAN ''. The Letter does not reflect either statements or reported balances/amounts. INTENTIONAL DECEPTION AND FRAUD. 

FCRA Regulations and Codes States : INACCURATE and INCONSISTENT reporting SHOULD BE REMOVED BLOCKED AND DELETED and NOT RESUBMITTED. 

I am requesting documentation, including ORIGINAL CONTRACT with signatures MATCHING ALL furnished information reflecting what is being reported on my credit file. 

If unable to provide valid information that fully relates in accordance to what had been reported, I am demanding this account to be BLOCKED and removed as it is hurting my file and score VERY significantly. THE statements are FRAUD and SHOULD HAVE NOT BEEN USED TO UPDATE MY FILE. 

XXXX refuses to remove inaccurate information but continues to update it with ADDITIONAL INACCURATE INFORMATION despite being made aware that the information from the fradulent statements were used to update my file with ADDITIONAL INACCURATE, FRAUD, and INCONSISTENCIES. 

The statements and every updated reporting or what has been reported previously, CLEARLY show VARIOUS DIFFERENCES in the reported INFORMATION. 

The frequent changes submitted by the furnisher as REQUIRED by the FCRA MUST provide PROOF that the information reported has been ACCURATELY VERIFIED, according to XXXX and XXXX XXXX XXXX, THEY STATED THIS INFORMATION TO BE ACCURATE, WHICH IS A FALSE STATEMENT. 

XXXX updated my file using THE INACCURATE STATEMENTS AS " VERIFICATION '' ALTHOUGH, IT HAS BEEN CLEARLY STATED THE STATEMENTS WERE FRAUD and ALL Reportings INACCURATE. THE STATEMENTS ARE FRAUD. 

Due to this, my credit score has BEEN TREMENDOUSLY AFFECTED, negatively impacting file and score. 

All NEGATIVE information NEEDS TO BE REMOVED/DELETED/BLOCKED. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) : 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information.

Section 623 ( a ) of the FCRA prohibits a person from furnishing inaccurate information to CREDIT REPORTING AGENCIES.

The reasonable cause is the several inconsistent reportings and fradulent statements Follow up from complaint 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