Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This case involving XXXX XXXX has all of the evidence provided. This case has already been looked over by a pro bono legal aid attorney on XX/XX/XXXX. She indicated that there is clear evidence of illegal eviction with an easy win. He is seeking legal counsel just to stand in for him as he is out of town due to not being able to rent until his record is cleared. 
XXXX XXXX received an improper notice that he would be evicted on Sunday XX/XX/XXXX at XXXX XXXX if he did not come up with XXXX by XXXX XX/XX/XXXX. XXXX was receiving funding from XXXX XXXX to cover past due amount of XXXX for the month of XXXX and 3perspective months from XXXX to XX/XX/XXXX. 
We have proof that the rental ledgers were changed by the leasing office in order to exhaust the funds pre maturely. 
Evidence XXXX. Correspondence email XXXX XXXX representative & XXXX XXXX XXXX XXXX., confirming that XXXX XXXX did not owe any Rent for XXXX. Along with XXXX XXXX showing nothing was owed. 
XXXX XXXX lost employment to attend to his mother as her caregiver. XXXX XXXX he reached out to XXXX XXXX to proactively make sure he could attend to his mother while not falling behind on his own bills. He received a response from XXXX XXXX ( a representative for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She agreed to accept his request for assistance. He was asked to provide his leasing managers information, so that they could begin the process for him to receive funding. The emails were sent to XXXX XXXX, who then asked XXXX XXXX XXXX to complete the requests. 
XXXX XXXX signed and filled out a verification form of what was owed and what will be expected from XXXX to XXXX. 
Along with the XXXX ledger as proof of what the tenant owed plus a XXXX dispo fee in the amount of XXXX. 
Evidence XXXX. Landlord Verification form submitted on XX/XX/XXXX by XXXX XXXX Evidence XXXX. XXXX XXXX given to XXXX XXXX ( sent to XXXX XXXX in light of their illegal misuse. ) Evidence XXXX. Email from XXXX XXXX stating that she would send over what was given to her in support of Mr.Sharp ( note this email is dated for XXXX after XXXX reached out to XXXX for assistance after the illegal eviction process started. ) Evidence XXXX. Eviction notice for XXXX stating that XXXX XXXX owed XXXX as of XXXX XXXX Evidence XXXX. Pledge Letter from XXXX XXXX to pay XXXX Evidence XXXX. Copies of Checks from XXXX XXXX to XXXX in the amount of XXXX for Past due Evidence XXXX. Copies of Checks from XXXX XXXX to XXXX in the amount of XXXX for the 3 perspective months XXXX XXXX Evidence XXXX. XXXX notice from XXXX on XX/XX/XXXX, stating that rent had not yet been received. 
( Note XXXX sends out notices on the XXXX XXXX & XXXX for tenants who are late ) ( XXXX XXXX XXXX does not notify the tenant when the payment is made only that he would be awarded. ) ( XXXX XXXX XXXX assumed the XXXX notice was a misprint as he did not receive a notice for the month of XXXX nor did he receive any further notices after XX/XX/XXXX ) Evidence XXXX. XXXX XXXX received a notice in XXXX that XXXX would not extend his lease in XXXX. 
Evidence XXXX. XXXX XXXX ( XXXX XXXX ) stating that XXXX rent was not paid and that she would start the eviction process. ( This was the first point and last point of contact and notice from XXXX ) This email was sent less than XXXX advising XXXX XXXX to pay XXXX to XXXX by XXXX on Monday. 
Evidence XXXX. XXXX from from XXXX to XXXX by XXXX with altered amounts stating that by XXXX XXXX XXXX owed XXXX in rent. You can clearly see that the ledger was changed to exhaust the funds in XXXX. This left no additional XX/XX/XXXX, XXXX XXXX  XXXX - Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX funding for XXXX or XXXX. This is a clear sign of misuse of funds. 
XXXX owed XXXX covered with First Check from XXXX XXXX XXXX owed Rent utilities and late fee XXXX covered with Second Check from XXXX XXXX XXXX XXXX = XXXX XXXX should have been the amount left over for XXXX remaining funds to cover XXXX & XXXX. 
However the last ledger states nothing was left to cover XXXX or XXXX XXXX. 
There is a detailed break down listed on a ledger created by XXXX XXXX listed in Evidence XXXX. Personal Ledger Funds are continuously misused by the leasing office. 
Evidence XXXX. XXXX Eviction Notice list NSF even though XXXX XXXX never submitted anything to receive a NSF, and funds were there to avoid such fee if used properly. 
The listing of Other Fees ( as listed on XXXX XXXX XXXX and the leasing office. There is no such fee listed as other ANYWHERE ) This evidence shows that The leasing Manager and Assistant Manager intentionally wronged XXXX XXXX and attempted to get away with it as both of the immediately resigned after starting the Eviction process in XXXX. 
XXXX XXXX has now been displaced from his home for 10 months waiting for his day in court to clear his record so that he may be able to rent again without an eviction on his record. He is seeking a counter claim for each month in the amount of XXXX and asking to have his legal fees covered for having to seek legal counsel in light of the eviction that he has had to suffer through. The XXXX XXXX XXXX is given to tenants to avoid displacement and it would have effectively helped XXXX XXXX had the representatives at XXXX not taken XXXX XXXX funding for their own use. 


Which resulted in XXXX XXXX 's case being dismissed per the plaintiffs. This incident continuing to report on to my report for the past 10 months has been a violation of the following FCRA LAWS 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses 80 617 - 15 U.S.C. 1681o or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance. For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and the date of the enactment of this subsection but otherwise complied with the requirements of section 605 ( g ) for such receipt shall not be in willful noncompliance with section 605 ( g ) by reason of printing such expiration date on the receipt.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

Per the standard requirements to rent from any establishment are as follows CREDIT REQUIREMENTS & HISTORY We will obtain a copy of your credit report and credit score from a credit reporting agency. You can not provide this to us, we will obtain this ourselves. Credit history should show that the resident has paid bills on time and does not have a history of debt write-offs or accounts that have gone into collection. Accounts which will negatively affect your credit score and your approval as a tenant include but are not limited to, Collections, Charge Offs, Repossessions, Foreclosures, Current Delinquency and Bankruptcy within last 2 years. Money owed to a previous landlord or utility company is cause for denial.

All applicants are required to have a minimum credit score of 600 or greater. 
Three ( 3 ) or more NSF checks within a period of one year will result in a denial. 
The application may not be accepted if the applicant has filed for bankruptcy or with debtors court within the last two ( 2 ) year