Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian, Your personnel are clearly not performing legitimate investigations when responding to my disputes. They are instead just receiving automated responses from the OSCAR system from the so called data furnishers or alleged creditors and only take their word as legitimate. They keep sending verified letters in response and fail to read the documented evidence I provide and take non biased action and question the information they get from the creditors. Your personnel are required to know FCRA and make decisions based on that law. Most of the time they dont seem to be interested in being critical of what the data furnishers say which is a problem. Then occasionally there is a person who gets my complaints, read the evidence, and performs a proper investigation that leads to deletions of the inaccurate accounts after 6 months of you all saying that it was verified! 

When I identify problems in the report, its because you all have failed to do your job, I will now be requesting civil penalty be applied to your company and the personnel investigating for willful non-compliance with FCRA and FDCPA law. The constant stall tactics and just sending verified letters when its clear that no investigation has been conducted has financial penalties that you all are required to pay. At this time there are over XXXX instances that we have documented in CFPB of you all not complying. I will be citing these in court requesting the XXXX dollar penalty plus court costs, damages, and loss of wages. I am a XXXX percent XXXX XXXX who is fighting for his life against life threatening ailments. I need my credit to not have any negative items on it for me to be able to get the treatments I need. I dont deserve these negative items and I am really being abused by these negative items reporting here. Have compassion and please stop stalling on this. Remove the items and update them to what I am telling you they should be. 

These accounts should have been deleted by now, you have all the evidence you need. Just read through all the mishandled disputes of mine you all have just ignored and sent a stall or verified letter for. 

XXXX XXXX Status should be : Paid, Closed, Never Late You all just corrected the XXXX card record with the same bank. Hopefully you update this one before You process this dispute. They can not provide certified mail statements proving they sent required late payment notifications. 

XXXX XXXX XXXX XXXX Status should be paid in full, never late. All the evidence is there. They can not provide certified mail statements proving they sent required late payment notifications. It clear that I was never late had the account for 4 years and paid if all off recently. 

XXXX XXXX XXXX XXXX Balace should be XXXX. This account was paid off with insurance during XXXX. I do not owe them anything. I never disputed this. This seems to be something you all did as retaliation trying to find issues to hurt me. Please correct this now. 

XXXX XXXX XXXX Must be deleted completely. They keep changing balance and lying. They are trying to extort me for more money. Even the document they claim shows an agreement is fraudulent, does not have my signature nor the signature of person they say signed it at the delearship. Please stop this. 

XXXX XXXX XXXX XXXX Should be deleted completely. Status should be paid, never late There is no balance owed! This account was resolved and completely paid off. They can not provide certified mail statements proving they sent required late payment notifications. I am tired of having to call out errors. Please just delete the account. 

XXXX XXXX XXXX XXXX  Status should be paid, closed, never late. There has been too much back and forth. Please fix the status or delete this account. They can not provide certified mail statements proving they sent required late payment notifications. 

XXXX XXXX XXXX XXXX XXXX XXXX This was done to hurt me by a former employee who worked at the property and or someone from Darkweb who stole my identity. All the evidence has been provided. The lawfirm says I am not the client they represented. 

I am requesting a detailed explaination of your investigative process to include the name and contact of the person working on this dispute as well as the individual contact details for the representative of the data furnisher or creditor. Actions taken by your employee need to be written along with their conclusions. This is the only evidence that an actual investigation was conducted. I can provide names and details for all the people I contacted for my own investigation into these inaccurate accounts on my credit report. It should be easy for someone who does this for a living! 

The law that will be invoked against you all if you again fail to comply with my request for deletion of accounts is below. 

https : XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter 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

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