Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MA)

EXPERIAN IS IN VIOLATION OF CONSUMER LAWS AND ARE VIOLATING THE PURPOSE OF CFPB TO AVOID THIS KIND OF CONSUMER FRAUD. We request CFPB to HELP TO CORRECT THIS IN OUR CREDIT FILES and TAKE STRONG ACTION AGAINST EXPERIAN FOR PROTECTING CONSUMERS AGAINST SUCH CONTINUED ANTI-CONSUMER FRAUD. 

ALL PROOF PROVIDED THROUGH CFPB COMPLAINTS # XXXX ( XX/XX/year> ) ; # XXXX ( XX/XX/year> ) ; # XXXX ( XXXX - pending in CFPB but Experian sent a note dipute complete on XXXX by email without any change ). & in direct communion to Experian. 

We have gone through the cycle of the utility company XXXX reporting collection incorrectly to credit report, we refuting Exerian/XXXX, though CFPB with exensive information as proof, the utility company sending to collection company, collection company dismissing that we owe any money to the utility company - sending those latter proof also to CFPB and EXPERIAN. 

Here the complaint is about Experian abetting and consequently involved in fraud. We asked removal of collection with proof of fraud of the utility Co and in saying to Experian that account XXXX  closed on their request & a collections company it was sent to rejecting that we owe money We provided clear and detailed proof and 100s of pages of documentation through CFPB and directly to Experian about a vendor who had falsely requested Collection notation in our credit file. 

The facts provided are irrefutable, Experian is committing serious consumer finance fraud by abetting the vendors anti-consumer crime in a number of ways. 
- The company AFTER REPORTING AS COLLECTION to Experian without following CFPB rules, sent to a debt collection agency ( XXXX  ) who dismissed that saying we do not owe any money. We provided this also to Experian. 
- We had provided these information to Experian prior to reaching out to CFPB with the maximum allowed number of pages of evidence. We have Experian additional information as well. 
- We indicated that Experian has been writing that the account was closed on the vendors request is untrue. NO ONE CAN GIVE PROOF OTHERWISE, INCLUDING THE VENDOR WHOM EXPERIAN IS ABETTING. 
- Experian, not only did not act as the evidences indicated despite multiple attempts to get that collected, but also REMOVED THE CONSUMER STATEMENT FROM THE REPORT, FURTHER AIDING THE VENDOR. 
- Through CFPB and directly to Experian proof was provided fact that the vendor did not respond to any of their formal process of disputing that we owe any money to them. By vendors own emails provided with our response each time, their process as in the email is they have to respond within 30 days, and if they disagree give reasons. WE WENT THROUGH THAT PROCESS FIVE TIMES OVER 22 MONTHS WE HAD ACCOUNT WITH THAT VENDOR. The vendor financial service division did not respond because they could not find any valid reason to justify their other divisions claim that we owe any money. 
- We had provided facts of our dealings with the vendor company at various levels to get this and other service problems fixed FOR 22 MONTHS AND THEN DECIDED THAT WE ARE NOT GOING TO TRY TO CONTINUE OUR ACCOUNT ACQUIRING SERVICE FROM THIS VENDOR AS IT WAS NON-FUNCTIONAL AND THEY HAVE NOT BEEN ABLE TO FIX ANY OF THE PROBLEMS INCLUDING THIS FINANCIAL DISPUTE OVER THAT LENGTH OF TIME. SO WE MOVED TO A DIFFERENT VENDOR. 

We earnestly request help to remove the incorrect Collection notation be removed from my credit report as extensive proof given indicate. The effect of it on my credit report reversed. 
CFPB enforce the strong mandate on Experian to protect consumers against financial fraud and further to prevent Experian to collude and abet companies like XXXX from initiating false reports against customers.