Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

XX/XX/XXXX ATTORNEY GENERAL OF WASHINGTON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX, Experian XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX cc. 
XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX XXXX Formal Complaint of Fraudulent Operating Practices and Request for Compliance Audit : XXXX XXXX XXXX XXXX, Experian, Experian Clarity, XXXX, and XXXX Re : Account # XXXX To Whom It May Concern : This letter documents the circumstances surrounding my credit profile and provides written explanation to consumers assertions that XXXX XXXX, XXXX XXXX, EXPERIAN, CLARITY , XXXX, XXXX has engaged in Fraudulent Conduct. 

VIOLATIONS of Local and Federal Rule : XXXX XXXX XXXX XXXX, EXPERIAN, CLARITY, XXXX, XXXX : - [ ] RCW 9A.60.050 False certification ( 2 ) A person is guilty of false certification, if, being a notarial officer making a certification authorized by RCW 42.45.020 ( 3 ), he or she knowingly certifies falsely that a tangible copy of an electronic record is an accurate copy of the electronic record. 

- [ ] 11 U.S.C 524 ( c ), ( f ) Creditors can not collect or Assert Deficiencies on discharged debts. 

XXXX XXXX XXXX XXXX, Unlawfully Misrepresented Accounting Records XXXX to Internal Revenue Written-Off Debt to conceal Illegally Falsified Records of Collection Accounts Transactions. 

EXPERIAN, CLARITY, XXXX, XXXX Unlawfully Misrepresented and furnished inaccurate records to consumers credit profiles and falsified records indicating an investigation was conducted. 

XXXX XXXX w/ XXXX XXXX, EXPERIAN , CLARITY, XXXX , XXXX deception and ultimate motivation for violating State and Federal Law has been to solely prevent consumer of obtaining credit stability and is direct retaliation against consumer for filing complaints with, Consumer Financial Protection Bureau and ATTORNEY GENERAL OF WASHINGTON FCRA Violations : XXXX XXXX XXXX XXXX XXXX, EXPERIAN, CLARITY, XXXX, XXXX * The credit reporting agency is reporting a debt as charged-off when it was paid off or settled in the past. XX/XX/XXXX credit report reflects : Charge-Offs Reported XX/XX/XXXX XXXX and/ collection/charge-off status * The credit reporting agency is flagging late payments when your payments are timely. Late Payment Reported XX/XX/XXXX ; XX/XX/XXXX credit report : reflects closed in XX/XX/XXXX per agreement. {$440.00} is the satisfied NOT remaining amount. 

* The credit reporting agency failed to report a discharged debt in bankruptcy. XXXX XXXX  XXXX Bankruptcy included XXXX XXXX  and {$440.00} satisfied debt is now discharged The FCRA allows for consumers to detect errors in their credit reports and file complaints. General violations of the FCRA include : * Failing to update records * Failing to follow guidelines for settling disputes * Pulling your report for an impermissible purpose * Failing to send a notice about your credit report or score violates the FCRA * Reporting a closed account as active * Creditors disclosing inaccurate financial information about you to reporting agencies Consumer Declaration : All subsequent payments to XXXX XXXX in the amount of {$320.00} from XXXX XXXX XX/XX/XXXX & {$320.00} in XX/XX/XXXX were satisfied under renegotiated contract. Consumer successfully and timely paid off XXXX  XXXX  on XX/XX/XXXX for the agreed upon settlement amount of {$1600.00}. This account was deemed satisfied and closed on XX/XX/XXXX. Consumer has previously and repeatedly provided CRAs and XXXX XXXX documentation to support her assertions inaccurate delinquent credit representation. 

Consumers credit profile should reflect : - [ ] 30 -day late in XX/XX/XXXX, - [ ] on-time payments XXXX XXXX XX/XX/XXXX, and ; - [ ] account closed XXXX XXXX XXXX. 
- [ ] Charge-Offs ( CO ) furnished for XXXX XXXX XXXX should be DELETED - [ ] collection/charge-off/paid less than balance ; status should be DELETED from Remarks and/or Status categories. 

Please find the attached XX/XX/XXXX Experian credit report : Consumer declares, At some point between XX/XX/XXXX and XX/XX/XXXX ; consumers credit profile was accessed by XXXX at XXXX loans request for an impermissible purposes resulting inaccurate default reporting. Please Note : XXXX Experian credit report reflected CLOSED XX/XX/XXXX and NO CHARGE-OFFS. 

Please find the attached CFPB XX/XX/XXXX complaint : XX/XX/XXXX XXXX XXXX, is the substandard and incompetent representative appointed by XXXX XXXX. XXXX XXXX responded to Consumer Financial Protection Bureau and acknowledged that borrower, completed all subsequent payments under renegotiated agreement. XXXX XXXX lied and falsely claimed account was charged off in XX/XX/XXXX. This assertion, clearly indicates breach of contract. Consumer utilized, Encompass Debt Settlement Agreement which included the language of Satisfied if all payments were received under said agreement, XXXX  XXXX Bankruptcy Petition and Discharge Order, and XXXX XXXX CFPB response as supporting documentation to showcase to the CRAs ; XXXX XXXX  is in breach of our contract and verified claims XXXX XXXX and XXXX XXXX  have been manufactured. 
All Disputes submitted by consumer to CRAs from XX/XX/XXXX to XX/XX/XXXX included duplicative and factual evidence and were ultimately unsuccessful. XXXX XXXX and XXXX XXXX verified inaccurate information with full knowledge verification was false and misleading. Consumers evidence directly contradicted Jackies XX/XX/XXXX CFPB statement account paid in full however charged off status XX/XX/XXXX and XX/XX/XXXX credit dispute results provided by XXXX and Experian are attached. XXXX and Experian are negligent and complicit in engaging in unlawful conduct. From XX/XX/XXXX to present, XXXX, Experian, and XXXX refused to abide FCRA guidelines set forth to protect consumers against unfair tactics within the dispute investigation. XXXX and Experian failed to hold XXXX XXXX and XXXX XXXX  accountable for their fraudulent verifications of accuracy. 

XXXX XXXX -Company 's Response XX/XX/XXXX Re : Ref No. XXXX We are in receipt of the complaint you submitted to the Consumer Financial Protection Bureau and appreciate the opportunity to respond. In the Complaint XXXX XXXX, you assert that XXXX is reporting inaccurate information to your credit report. For resolution, you have requested that XXXX make a correction to your credit report. XXXX XXXX  ( XXXX ) is a FDIC-insured, Utah chartered bank. XXXX XXXX  contracts with XXXX XXXX XXXX XXXX ( XXXX ) to offer small-dollar installment loans to consumers with less than perfect credit history. In this relationship, XXXX is the lender and XXXX  is the technology provider. XXXX originates the loan and provides funds to the consumer. XXXX is contracted to provide the application platform facilitating loan origination for XXXX, as well as services the loan on behalf of XXXX after the origination. As a FDIC-insured, Utah chartered bank, XXXX prudential regulators are the FDIC and Utah Department of Financial Institutions ( UDFI ). We take all complaints seriously, as we strive to provide exceptional service at every touchpoint. In response to your complaint, we have thoroughly researched this matter. According to our records, you received one ( 1 ) loan from XXXX using the XXXX platform, the loan ( the subject of this complaint ) has been written off. XXXX XXXX, you secured your loan on XX/XX/XXXX, in the amount of {$1500.00} which required a total of twenty ( 20 ) bi-weekly payments in the amount of {$130.00}, with the first payment due on XX/XX/XXXX. You made your first contractual payment on XX/XX/XXXX, in the amount of {$130.00}. XXXX XXXX, you revoked your ACH on XX/XX/XXXX. The next payment was not received until XX/XX/XXXX. The payment was submitted by check from a Debt Management Company, in the amount of {$50.00}. XXXX XXXX, your loan was written off on XX/XX/XXXX. XXXX received six ( 6 ) additional payments, five ( 5 ) payments by way of check and the final and sixth payment via ACH. In your Complaint, you state that XXXX is reporting inaccurate information to your credit report. XXXX credit reporting team has received a total of three ( 3 ) indirect disputes, and two ( 2 ) direct disputes from you regarding inaccurate information being reported to your credit file and the account status. Each dispute was responded to by XXXX credit reporting team and found all information to be accurate. XXXX XXXX, you missed your payment scheduled for XX/XX/XXXX, and the loan became delinquent on XX/XX/XXXX. Please be advised that the loan is accurately being reported as account paid in full for less than the full balance. The balance and amount past due reflect as {$0.00}. The account was reported closed on XX/XX/XXXX. Regarding your requested resolution, to make a correction to your credit report, unfortunately we are unable to so, as we are required to report accurate and complete information to credit bureaus under the Fair Credit Reporting Act and to not adjust such information unless we know or have reasonable cause to believe that the information is inaccurate. Regarding your cease-and-desist order to stop reporting to the credit bureaus, XXXX can not accommodate this request. In paragraph fifteen of your loan agreement, it states that : " You also understand that we may report your performance under this Note to credit reporting agencies. Late payments, missed payments, or other defaults on your loan may be reflected on your credit report. '' Hence, by you reading, signing, and receiving funds, it is apparent that you were aware of the credit reporting that would take place regarding the performance of your loan. However, as stated above the account has been reported as closed on XX/XX/XXXX. 

Please Find attached Paid in Full Disclosure and Email correspondence : On XX/XX/XXXX XXXX XXXX finally admitted they were at fault for inaccurate accounting records. Disclosure Cited by XXXX XXXX  Recent Account Remittance, which is false. 
Consumer declares, the companys retraction is due to consumers XX/XX/XXXX complaints to CFPB, consumers pending lawsuits against XXXX XXXX, and XXXX XXXX demand of factual accounting be disclosed by XXXX XXXX to CRAs. Hence, discrediting XXXX XXXX falsified XX/XX/XXXX account reconciliation and hindering XXXX  XXXX  ability to continue with their negligent and deceptive actions. 

On XX/XX/XXXX on a recorded phone call, XXXX XXXX XXXX  representative, certified to Borrower and XXXX XXXX that XXXX XXXX  internal case management system did indeed reflect XX/XX/XXXX as the factual account settlement/closed date. This action clearly demonstrates and solidifies, XXXX XXXX unethical misconduct as well as XXXX XXXX, EXPERIAN, CLARITY, XXXX deceitful business practices and intentional attempts to control and conceal said misconduct. 

- [ ] XXXX XXXX purposely misrepresented consumers XXXX XXXX account ending in # XXXX, to the Consumer Financial Protection Bureau. 

- [ ] XXXX XXXX w/ XXXX XXXX  EXPERIAN , CLARITY, XXXX XXXX XXXX knowingly and intentionally falsified and furnished inaccurate financial information to consumers credit profile. 

- [ ] EXPERIAN, CLARITY, XXXX, XXXX knowingly and intentionally, refused to conduct an unbiased investigation pertaining to consumers credit disputes. 

- [ ] XXXX XXXX w/XXXX XXXX, EXPERIAN, CLARITY, XXXX, and XXXX knowingly and intentionally elected to engage in unlawful acts, by conspiring and concealing evidence and denying consumer protection under State and Federal regulations. 

Consumer requests the Consumer Financial Protection Bureau, WA State Attorney General and Federal Trade Commission launch a thorough investigation of XXXX XXXX accounting records, credit reporting records, dispute polices and compliance practices. It is unclear if XXXX XXXX is a member of the XXXX XXXX, however, if proven ; sanctions are justified for her actions. The evidence attached demonstrates a culture of corruption and the unlawful misconduct committed by XXXX XXXX, XXXX XXXX, EXPERIAN, CLARITY, XXXX, XXXX against consumer.