Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
EXPERIAN, YOU HAVE BEEN PUT ON FINAL NOTICE, INTENT TO SUE IN COURT FOR FAILURE TO PROVIDE PROOF OF VALIDATION OF DEBT AND REPORTING INACCURATE INFORMATION Pursuant to15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; Experian must provide how they verified this debt belongs to me. 
1 ) How did you verify this account?

2 ) Provide an original contract with my wet signature.

3 ) Documentation showing that I am contractually obligated to pay this debt.

4 ) Proof that PAC AUTO has the legal right to collect the debt.

5 ) Any agreements or contracts I purportedly signed with XXXX XXXX Furthermore, I request that all collection activity regarding this debt cease until proper validation has been provided. 
Please provide the requested documentation to me at the address listed above within 30 days of receipt of this letter. If you are unable to provide proof to validate this debt, I request that it be removed from my credit report immediately. 

EXPERIAN HAS REPEATEDLY REPORTED INACCURATE INFORMATION. AS SEEN IN THE FOLLOWING LEGAL CASES ; AND I INTEND TO SUE EXPERIAN IN COURT FOR FAILING TO PROVIDE PROOF THAT EXPERIAN VERIFIED THIS DEBT AND FAILING TO PROVIDE ACCIRATE INFORMATION. THIS WILL BE MY FINAL DISPUTE WITH EXPERIAN. THE NEXT FILING WILL BE WITHIN COURT IN WHICH A JUDGE AND JURY WILL RULE OVER THIS MATTER. 

XXXX XXXX XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX The Plaintiff has an inaccurate account reporting on his Experian credit report. 
Defendant mixed Plaintiffs information and is reporting another persons account on Plaintiffs Experian credit report. The Plaintiff disputed with DocuSign Envelope ID : XXXX Experian, but Experian verified the false information on the account. As a result of Experians inaccurate reporting, Plaintiff has been denied credit opportunities. 

XXXX XXXX XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX Plaintiff is listed as deceased on XXXX accounts on her Experian report. The Plaintiff is not deceased. As a result of this inaccurate reporting, Plaintiff has lost opportunities to obtain credit. 

XXXX XXXX v. Experian. Experian has mixed Plaintiff XXXX XXXX, XXXX file with his son XXXX XXXX, XXXX As a result of the mixed file, a collection account with XXXX XXXX on Plaintiffs Experian credit file. The Plaintiff has been denied credit due to the inaccurate collection account on the Experian credit report. 

XXXX v. Experian. XXXX XXXX. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an XXXX account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold. 

XXXX v. Experian. Experian Information Solutions , Inc. has faulty procedures that result in mixing consumers files and credit reports. Experian made these errors on Plaintiffs credit reports when it mixed Plaintiff with another consumer who has significant derogatory accounts, including a bankruptcy. Because the other consumers negative information was on Plaintiffs credit reports, he was denied the ability to use his credit to make purchases. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX and Experian. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. 
Despite the forbearance agreement, XXXX XXXX XXXX began reporting to XXXX XXXX, Experian, and XXXX that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, XXXX XXXX, Experian, and XXXX all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. 
XXXX XXXX XXXX XXXX v. Experian. XXXX XXXX XXXXXXXX XXXX Experian has mixed Plaintiffs credit file with the credit file of another consumer. Experian knows that it must use heightened matching criteria when matching common names. As a result of the mixed file, Plaintiff has been unable to rent a home. 
DocuSign Envelope ID : XXXX XXXX XXXX XXXX Experian. The Plaintiff is the victim of identity theft. He disputed XXXX fraudulent accounts with Experian. In his Experian dispute, he included a police report and an identity theft affidavit. Experian failed to block the fraudulent accounts and verified them as accurate. 

XXXX XXXX v. Experian. The Plaintiff had XXXX medical collection accounts on her Experian credit report. The accounts belong to her adult son, for whom she is not responsible. The Plaintiff disputed the XXXX inaccurate collections accounts with Experian. Experian failed to perform a reasonable investigation into Plaintiffs disputes and verified the collection accounts as accurate. 

XXXX XXXX v. Experian. When Plaintiff traded his car into an auto dealership, the dealership failed to make a timely payoff to XXXX XXXX. The late payment made by the dealership was then listed on the Plaintiffs Experian credit report. The Plaintiff had no other late payments. The dealership acknowledged the error, and the Plaintiff disputed the late payment on his auto loan to Experian with a letter from the dealership. 
Despite the letter from the dealership, Experian verified that the Plaintiff made a late payment. 

XXXX XXXX. Experian, XXXX, XXXX and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least XXXX accounts from the XXXX XXXX XXXX XXXX social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, XXXX, and XXXX, the Plaintiff was mixed with at least XXXX other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 

XXXX XXXX v. Experian Plaintiff is the victim of identity theft. She disputed XXXX fraudulent accounts with Experian and, in her dispute, included a police report and an identity theft affidavit. Experian failed to block the fraudulent accounts and verified them as accurate. 

XXXX XXXX v. Experian. Plaintiff found XXXX collection accounts on his Experian credit report that do not belong to him. The accounts belong to Plaintiffs twin brother, who has a very similar name to Plaintiff. As a result of the similarity in names, Experian mixed Plaintiffs file with his twin brother. Plaintiff disputed the accounts, but Experian verified them as accurate. 

XXXX XXXX XXXX XXXX XXXX, Experian, XXXX, XXXX  XXXX, and XXXX. Plaintiffs credit report is mixed with another consumers, and the other consumers credit accounts appear on Plaintiffs XXXX XXXX and DocuSign Envelope ID : XXXX Experian reports. The accounts are from XXXX, XXXX XXXX, and XXXX. XXXX attempted to have the reports corrected by disputing the accounts to XXXX XXXX and Experian ; however, the dispute did not fix the error due to Defendants faulty procedures, and the accounts remain. 
Plaintiff has been denied the use of her credit as a result. 

XXXX XXXX v. Experian. Plaintiff discharged his XXXX  XXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct. 

XXXX XXXX v. Experian. Experian mixed XXXX XXXX file with the file of a XXXX XXXX. Names, addresses, and collection accounts belonging to XXXX XXXX are appearing on XXXX XXXX Experian credit report. As a result, XXXX XXXX could not pre-qualify for a mortgage. 

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any 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 ( 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 ; ( 2 ) 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. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : EXPERIAN, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. 


IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS. 

XXXX XXXX XXXX AND EXPERIAN are in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXXXXXX for the cancelled debt of { { {$1100.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions, they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX is not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I have reported XXXX XXXX XXXX to the IRS for this fraudulent activity. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. EXPERIAN, YOU HAVE BEEN HERBY PUT ON FINAL NOTICE.

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 non-monetary relief