Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In reply to your continued fraud, your company has been reported to the CFPB for Accuracy and Fraud undertaking regarding injuring client you report on falsely. This is simple. Last few months XXXX set out to hurt me because of a mouthy phone conversation we had on the phone about the reporting fraudulently to my credit bureaus. Last months credit report showing fraud attached again. XXXX laughed at me on the phone and said Well, if you have a problem with it then reach out to your credit bureaus because we will keep this on your report for as long as we would like. Dispute : 1 Account : XXXX XXXX A. Creditor Claims account was charged off XX/XX/XXXX of {$32000.00}. B. Creditor Claims account was charged off in XX/XX/XXXX of {$32000.00}. C. Creditor Claims account was charged off for {$32000.00}, and also has a NEW added balance of {$19000.00} in XX/XX/XXXX. D. Debtor Claims charge off, balance and new total balance of {$32000.00} + {$19000.00} = {$51000.00} E. Original Balance of {$37000.00} is Correct according to provided Loan Documents to Experian. That is a {$14000.00} fraudulent extra claim by my creditor. F. New Combined Balance of {$51000.00} is incorrect and is a fraudulent attempt of a Debtor to collect extra profits not authorized by contract or agreement. PURE FRAUD G. There is no {$32000.00} Charge off + {$19000.00} Balance. This was never {$51000.00} as I have just showed you in the Auto Finance contract attached to this complaint. This was also provided to the CFPB showing that you keep allowing False negative activity and balances that are just not correct to the Creditors Benefit. I have spoken with an attorney today to find out how much the damage that Experian falsifies is worth in Damages since Experian continues to Allow XXXX to falsly report, and change every month to something new. Every Dispute I have change changes my credit entry to some other illegal mount. I have told XXXX, XXXX and XXXX that false reporting is not legally allowed, and Experian, XXXX and XXXX keep coming back and says my creditor made more changes toward what I requested. So every month I have to keep disputing inaccuracies over and over. Let me be blunty. If an entity reports false information on my credit bureaus, it is up to the credit bureaus to see the Fraud and the changes each month and not allow this kind of malicious activity to continue. If Experian, XXXX and XXXX sees this and still does not remove for false entry, I will sue all 3 Credit Bureaus Experian, XXXX and XXXX are OBLIGATED BY LAW TO REMOVE INACCURACIES IF BROUGHT TO THEIR ATTENTION. Experian, XXXX and XXXX are NOT ALLOWED TO LET A MERCHANT MAKE AS MANY CHANGES AS THEY WANT EACH MONTH JUST TO SATISFY A DISPUTE!! Experian, XXXX and XXXX needs to remove the entry beause of false reporting. Period. It's the LAW! Once inaurracies keep getting pointed out and proven, Experian, XXXX and XXXX do not have the legal right to allow a Creditor to make as many changes as they would like each month. Accurate reporting is Rule # 1. Once it has been confirmed that a creditor is making false statements to a credit bureau, the item in question must be removed.

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