Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
Following Items have been disputed with XXXX Credit Bureau and removed in XXXX and XXXX of XXXX, XXXX. XXXX XXXX XXXX XXXX- {$7500.00} Was removed due to it being a Judgement, as ( evidence of a Court Judgement was provided ) to the Bureau in their investigation, which they did remove, then re-instated back on my credit. and according to NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5. and a violation of 15 U.S.C. 1681 ] Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XX/XX/XXXX - The Judgement was placed back on my credit by XXXX, and listed inaccurately as " Account Open ''. When the account is " Closed ''. And to be removed once again. They are required by law to remove it for good from my credit, without re-instating it. Or re aging. 

XXXX. XXXX removed a Tax Lien/Collection account from the County of San Bernardino Department of Child Support Services . The account was removed because it was too old to be on my cr dit report because the date of first delinquency was XX/XX/XXXX. ( Evidence was provided showing first date of delinquency ). XXXX has committed fraud, and an illegal act resulting in a crime of re -aging debt on my credit affecting my credit score. These were disputed removed, and re aged and placed back on my credit report dropping my XXXX score down to a XXXX. 

Federal Law States Re-Aging a Debt Account Is Illegal and It Destroys Your Credit. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And XXXX is in violation of the Code. They are required by law to remove it. 

XXXX XXXX XXXX - XXXX has been provided evidence this account was paid off, and the creditor, and I had an agreement that if the cell phones with XXXX XXXX were paid off then that eliminated the {$2400.00},. I provided proof of the write off, and phones paid to XXXX which they removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off? 

If a creditor writes off a debt, it means that no further payments are due. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : 1. you are released from the burden of the debt ; 2. recovery action stops ; 3. stress and anxiety are reduced ; and 4. you can make a fresh start. 

XXXX XXXX XXXX - {$820.00} This account for XXXXXXXX XXXX XXXX XXXXl was removed in XXXX of XXXX when it was proven the agency overcharged, with illegal surcharges racking up a balance of {$820.00}, when the account was paid in full, and re-instated on my credit by XXXX, XXXX needs to be made aware that there are California State Laws that restrict these unethical practices. 

it is a violation of 1985, California law ( Civil Code section 1748.1 ) that prohibited merchants from adding a surcharge ( an extra fee ) when customers pay by credit card instead of cash. 

Next is Experian-. In XXXX Of XXXX, the following items were removed from my credit report bringing my Experian Credit score up to a XXXX. 

As of XX/XX/XXXX Experian has placed XXXX XXXX XXXX XXXX XXXX  - {$330.00} which they updated the balance as of XX/XX/XXXX It was made aware of the prepaid card Consumer Protection Act? 

Summary : The Prepaid Card Consumer Protection Act prohibits card issuers from charging fees or designating expiration dates. Background : The 2009 federal CARD Act restricted fees, prohibited expiration in less than five years, and imposed strict disclosure requirements. 

A XXXX XXXX XXXX XXXX XXXX - A prepaid card is a card you can use to pay for things. You buy a card with money loaded on it. Then you can use the card to spend up to that amount. A prepaid card is also called a prepaid debit card, or a stored-value card. You can buy prepaid cards at many stores and online. 
XXXX XXXX you only use the money on it you load,. It does not extend credit so the {$330.00} it charged is an illegal charge that goes against federal Card Act. There fore this account requires to be removed by Experian. The balance is not LEGAL! 

XXXX XXXX XXXX This is Duplicated Debt that was supposed to be deleted. This is XXXX 's XXXX XXXX which is also reported by XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX- {$2400.00}. 

The balance is supposed to be set to {$0.00}, Consumer submitted evidence to them XXXX XXXX, that the original creditor XXXX had written off the debt, as agreement that iphones where paid off in full,. Experian still has not removed the debt even after receiving evidence. They should be trained on what write off means. 

This account was removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off? 

If a creditor writes off a debt, it means THAT NO FURTHER PAYMENTS ARE DUE. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : XXXX XXXX XXXX XXXX XXXX {$7500.00} -Civil Judgement Evidence of a Civil Judgment was submitted to Experian, and verified over the phone they received it Credit Bureaus no longer report Eviction Judgements. It was removed and then re-instated back on my credit. and according to NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5. and a violation of 15 U.S.C. 1681 ] Judgment. Under the FCRA, civil judgments do not appear on your credit reports anymore due to a settlement the credit bureaus made called the National Consumer Assistance Plan ( NCAP ) ( more on that later ).

This is a violation of the FCRA, Negligence, and Experian 's willful Failure to Comply, and Experian can, and will be sued for damages if this problem persists.

The FCRA imposes civil liability for negligent and willful failures to comply with its requirements ( 15 U.S.C. 1681n, 1681o ).

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