Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian failed, once again, to address the issues in my written complaint which has now been well documented by multiple third parties. I did not ask, and did not want, XXXX XXXX XXXX. I am well aware of what a credit report contains, and what my consumer rights are. It was unbelievably insulting and an inexcusable waste of resources to ignore the legitimate content of my complaint and instead give me a lecture on what an inquiry is. Do not do that again. I am not seeking education from Experian on absolutely anything. I don't appreciate the condescending nature of the response as a whole, how pitifully vague it was with regards to my concerns, and the fact it just outright ignored the glaring issues. Such as the fact, Experian has violated my consumer rights so many times, which has been well documented, that it warrants a lawsuit. Experian Reps, if you don't want your company sued and paying me money ... stop ignoring ... my written and well documented disputes. I was... not... asking what an inquiry is. I was ... telling... you that I disputed them and that you are now required by law to require of the Reporters of those inquiries to provide proof of where the inquiry originated and by what means they were authorized to pull my credit. I do not recognize those companies, I am allowed by law to dispute inquiries, and you are going to do your job as the bureau to follow through with requiring Reporters to provide validation information when it is demanded of you. I wasn't asking, " hey do me a solid and delete these if you feel in the mood to do so ''. I was ordering you, to investigate them, and obtain validation information of their origins. There's a difference. You are violating Fair Credit Reporting legislation with your, repeated, refusal to investigate my written disputes and require debt validation information of the Reporters. I contacted you in writing... XXXX times ... about that XXXX XXXX XXXX account that you kept repeating was 'verified ' when it absolutely was not verified and when I demanded debt validation documentation from the company myself doing your jobs for you? Oh surprise, surprise, no such verification documentation existed and they were forced to delete the account. So no, you did not, verify that account. You have not done what is required of you by law to verify an account, particularly when a customer demands ( not asks if you're in the mood to do them a favor but demands because it is their consumer right ) that you obtain additional information about a debt account reporting on their consumer report ; you have not done what you are required to do when you only say, " Hey Creditor, is this a valid account? Yes? Ok that's good enough! '' That is not good enough. Evidence. You must obtain evidence. Their word against the consumer 's is not enough. These companies, especially unethical collection agencies, knowingly and unknowingly falsify accounts. Especially with regards to 're-aging ' accounts which is knowingly committing fraud by altering the last date of activity to report the account longer. I recently got three, fraudulent, accounts removed from my reports that the credit bureaus had said were 'verified ' because you did nothing except take a Creditor 's word for it when you said you verified it. So stop ignoring my demands for debt validation documentation during a dispute, and do not ever insult me again with your little XXXX XXXX  XXXX ' lecture as an answer to my complaint 's against you and warnings of intent to sue you in federal court for FCRA violations. Seriously, do I sound like someone that doesn't know what a credit report contains? Really? Do I sound like someone that doesn't know what an inquiry is? Of course not. I don't know if you are discriminating against me in this way because I am female and you think that gives you license to blow me off and stomp all over my rights because my gender is an excuse to not take me seriously, but the next time you give me reason to suspect that you are? You're getting an official complaint to the United States Office of Civil Rights for discrimination on top of getting sued in federal court. I'm not a four year old child that doesn't know what's going on. Don't ever talk to me like that again. And when I write you? And I provide you a direct order that you are obligated to comply with by federal law? I expect you to obey it. When I provide a numbered list of issues I am directly disputing that have gotten so out of control by you ignoring and refusing to actually investigate my written disputes that it has been escalated through not one but two consumer protection agencies? I expect you to finally respond, directly, to each item on that numbered list and not respond with some vague, uneducated, insult of a response like, " Eh... some of the addresses she says are bogus we'll delete. The other stuff she mentioned isn't there anymore so we'll just ignore the fact that we blew off her written dispute about it 6 times before she finally got it removed by the company herself because we don't care about her consumer rights and we think we can do whatever we want. BTW, here 's an unsolicited and wildly inappropriate lecture on what an inquiry is just so you know little lady. '' What kind of ridiculous response was that? I'm actually as embarrassed for you as I am insulted. When all of these documents get read in federal court, what will your excuse be for blowing me off so many times, and the fact some of my written disputes and complaints you literally never responded to at all? What's your excuse? It's been over a month now since I filed my XXXX  dispute against you. Experian was the only credit bureau arrogant enough to not even bother responding. The others responded in a matter of days. You never responded at all. Such arrogance and blatant disregard for my rights. Now, this is the last time I am going to tell you. The following information is false/erroneous/obsolete and I want it deleted. Some of this mess has been on there over ten years. It's ridiculous. You are not allowed to leave it on my report unless you can prove, prove with written evidence not just your word or a Creditor 's word, otherwise. Period. This is no longer a polite request. Those days are over with you and what you have put me through. This is a warning. You are going to be sued in federal court for FCRA violations if you do not comply with my written demand for written verification of the following information, or you do not delete it. Period. Do not respond to me with another unsolicited 'XXXX XXXX XXXX XXXX  lecture instead of addressing my demands for verification documentation. I don't want to hear, " We verified this information with a Creditor '' either. I want to... see ... documents. Back to what you completely ignored from my previous complaints ... The following information is false/erroneous/obsolete and I am disputing it in writing : Experian is reporting several false/obsolete/erroneous addresses on my report that need to be removed. # XXXX. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Fl XXXX they are refusing to delete because they say that creditors from closed accounts years ago reported the address as mine. That doesn't make it true. I want it deleted. # 2. Address XXXX XXXX XXXX # XXXX XXXX, MT XXXX they are refusing to delete because they say creditors like unverified XXXX XXXX XXXX are reporting it as mine. That doesn't make it true. XXXX XXXX XXXX isn't even a valid creditor of mine. I want it removed. # XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX isn't even a valid address for anyone. If you XXXX it, it comes back as invalid. The address literally does not exist so there is no possible way that it can belong to me or anyone else. It must be deleted. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Experian wont delete because they say that it is being reported by XXXX  XXXX. That is not the address XXXX XXXX has on file for me and I have uploaded evidence of that to this complaint. # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has been on there for over ten years and Experian is refusing to delete because they say it is being reported by my student loan servicers. No it isn't, that is not a valid residential address and it is not what my student loan servicers have on file either. All of the previously disputed addresses are still showing on my report. Delete them. # XXXX. There are two phone numbers now showing that are not valid either, ( XXXX ) XXXX # XXXX ( XXXX ) XXXX # XXXX Inquiries : XXXX and # XXXX XXXX are unknown to me and must be deleted. That is XXXX pieces of information disputed in writing that I want deleted when you can not provide the validation documentation to prove they are legitimate. This information has now been disputed, in writing, multiple times and I have a paper trail established that for well over 30 days I have been trying to get you to respond to my written disputes with validation documentation and you refuse. Next time you respond, you need to address 9 specific issues. I numbered them for you. Not a vague, " Eh some of it we'll delete, the rest is valid, we're gon na ignore your written disputes, here 's some entirely irrelevant information for the rest of the response. '' Do not do that again. I don't expect you to apologize for what you put me through because that would be an admission of guilt and you'll never do that, but if you had any ethics at all you would take measures to stop it from happening again to me or anyone else. Multiple accounts that you said you, " verified '' that were doing significant harm to my life because they were false and derogatory ; I got removed by simply demanding verification from the Creditor when you refused to do so. Do your jobs. Don't lecture me on what credit is, don't send me the same ridiculous " our role in the dispute process is blah blah blah '' preformatted Email response when I send you written demands for debt validation documentation. Your role, is to obey the law. That's what your role is. And that means that the Creditor has the " burden of proof '' when they report information about a Consumer. Your role, is that when that information is disputed and a consumer notifies you in writing they are exercising Section 609 the right to demand additional information to verify an account... you ... must then turn to the Creditor and demand verification documents. Not just an automated response that says " its valid '' but evidence of its authenticity. I sincerely do not know how you are in business how unethically you behave, but I hope it is not for much longer. Do not blow me off again. I mean it.

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