Consumer complaint received 2024-10-04 00:00:00
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.
State: MA

Complaint narrative:
EXPERIAN CONTINUES TO BE IN VIOLATION OF CONSUMER LAWS AND ARE VIOLATING THE PURPOSE OF CFPB TO AVOID THIS KIND OF CONSUMER FRAUD. We request CFPB to help fix the error that is in our credit report in the form of collection and by that incorrect entry my credit score decreased by about XXXX points. IN RESPONSE TO THE REPORT XXXX. TO CFPB, EXPERIAN PROVIDED INACCURATE, INCORRECT AND IRRELEVANT INFORMATION Experian sent a letter by mail that incorrectly says An account record was updated. Other items disputed are not currently displaying on your personal credit report. BUT, it has not been removed ( XXXX ) the derogatory remark exists even XXXX a report Exprian sent to me in response to previous complaint # XXXX directed at Experian, and ( XXXX ) such removal should increase the credit score by about XXXX points - that is the number my credit score dropped by the addition of this incorrect collection I contacted Experian directly many times and gave information and provided XXXX of pages of facts prior to complaining directly against them in CFOB complaint XXXX. 

Experian further writes in response to CFPB INCORRECTLY as I reported being a victim of identity theft. I HAD NOT REPORTED OF BEING VICTIM OF IDENTITY THEFT. Their additional false words ( which can be perceived as indirect threat ) provided as response to CFPB in response to complaint # XXXX is : You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. THUS EXPERIAN IS WRITING FRAUDULENT INFORMATION TO CFPB AS WELL, RATHER THAN CORRECTING AN ERROR THEY HAVE BEEN ABETTING FOR SO LONG, WHEN NOW BEING PROVEN ABOUT THEIR ERROR PURELY AS A CONSUMER FINANCIAL COMPANY RELATED ERROR AND FRAUDULENT ACTIVITY OF THEIRS. 

I have gone through the cycle of the utility company reporting collection incorrectly to credit report, we refuting Experian/XXXX , though CFPB with extensive information as proof, the utility company sending that to collection company ( XXXX ) who upon collecting facts dismissed that we owe any money to the utility company. I sent those latter proof also to CFPB and EXPERIAN. This completes a cycle of false accusation and more clearing it through full cycle of processes that decided I do not owe any money. Hence, here the complaint is about Experian abetting and consequently involved in fraud. Despite having indisputable proof documents. Expetian is not removing the collection notation in my credit report as well as not correcting s huge drop in credit report because of that. Experian states that the other company say it is true and the account was closed at vendors request - both of which are false and the XXXX of pages of documents I have provided prove those clearly.

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