Consumer complaint received 2025-05-11 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:
1. Experian mentioned incorrect things in the previous responses to CFPB ( after doing so multiple times earlier ) ( a ) there is no such entry in my credit report, ( b ) vendor confirms information, ( c ) account was closed at vendors request, ( d ) that I reported identity theft etc.

2. After each attempts of Experian of providing to CFPB were proven to be incorrect - in their response to CFPB on XX/XX/XXXX to CFPB complaint # XXXX dated XX/XX/XXXX they have gone back to earlier response once again - mentioning vendor confirms. The information they provided to CFPB proves nothing regarding the inaccurate collection report not being corrected by Experian given the facts- it only proves Experian blatantly continues their anti-consumer acts. THE DOCUMENTS ARE NOT ATTACHED AGAIN ADD BOTH EXPERIAN AND CFPB HAS THIS INFORMATION FROM PRIOR SUBMISSIONS. 
XXXX. Experian has failed to correct an inaccurate collection entry on my credit report despite overwhelming evidence that the entry is false. 
This failure violates federal and Massachusetts consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). XXXX refusal to remove the inaccurate entry, mishandling of my dispute, and disregard for evidence provided demonstrate noncompliance with its obligations to correct wrong entry in consumer reports as well as abetting other vendors to introduce such wrong entries in the credit report they maintain and distribute to relevant needs. 
XXXX. Under FCRA, Experian is required to conduct a reasonable investigation into disputed credit report entries. However, Experian has consistently relied on unsupported assertions from the vendor without addressing the substantial evidence I have provided conduct a reasonable investigation into disputed credit report entries. However, Experian has consistently relied on unsupported assertions from the vendor without addressing the substantial evidence I have provided.

5. Experian, by repeating these lies for over 18 months has been providing false and misleading information to CFPB, the agency with mission to prevent this kind of incorrect anti-consumer actions and harm to consumers.

6. Experian has caused me immense harm and repeatedly acted against clear guidelines of CFPB and FCRA - by ( a ) letting wrong collection notation remain in my credit report after immense and irrefutable proof, ( b ) removing the mandated and legally allowed consumer statement on collection report in my credit report, and ( c ) this action affecting my credit score by about 100 points. that are against FCRA and continue providing false and misleading information to CFPB..

7. Experian dynamically changes information on my credit report changing the information on the credit report they are giving CFPB and masking their anti-consumer practices. Those practices of Experian are also highlighted in this complaint.

8. Experian has record of my monthly payments to that same vendor without even a delay for seven years and the same with many other vendors before and ingoing. 
9. Ive sent over 100 pages of documentation to proving irrefutable proof ( not just supporting documents ) that the vendors information is inaccurate.These and other such information mentioned here are provided through number of CFPB complaints each time refuting new, irrelevant and false information provided as response to CFPB. Experian has been providing CFPB with blatant inaccurate information or unsubstantiated lies of the vendor or that we have provided enormous documents as proof or completely irrelevant and untrue information through number of CFPB complaints XXXX dated XX/XX/XXXX and latest complaint # XXXX dated XX/XX/XXXX. Independently, we had contacted Experian and have provided these information and bulk of the documents provided to CFPB directly to Experian as well.

10. The collection notation remains on my credit report solely due to negligence of Experian and them abetting the vendors misconduct - causing immense harm during this 18 months that Experian has had all information submitted to them directly and through CFPB. Please refer to CFPB complaints referred to earlier and documents submitted with them. Similarly, I had directly reached out to Experian and uploaded those documents through link their team provided.

11. Experian maintaining the record in my credit report despite these and reverting to an earlier response to CFPB dated on XX/XX/XXXX to latest complaint XXXX dated proves Experians actively abetting of such misconduct by vendors and blatant anti-consumer and illegal practices. 
12. How does a vendor saying it is correct, make it correct? There are two sides to a dispute and Im the only one ( other side ) who has given extensive and irrefutable proof to that fact that there collection information in my credit report is inaccurate, whereas the Experian is siding with the vendor who could can only state that the ( incorrect ) information is there in their system.

13. As mentioned below, this collection report information was sent to an independent third-party collection agency ( * * ICSystems * * ) for collection by that vendor. The collection agency, after getting all information they needed determined that I do not owe any money to this company and dropped the collection. So a whole collection cycle is completed and has been decided independently. I provided these information to Experian directly and through CFPB. In principle any chain of collection gets invalidated at this point.

14. Now Experian has made the notation in my credit report as collection and write-off- both parts of which are incorrect. As to the part that says write-off the vendor has been falsely claiming that in their income reporting to the IRS when as recent as XXXX the vendor sent it to yet another collection agency, as well s the fact that amount is not owed to them.

15. In connection with previous point : the vendor has been shopping collection companies as clear harassment tactic, each of whom back off such effort once I informed of the vendors has been doing and the background - the most recent one is XXXX & XXXX in XX/XX/XXXX. The vendor is inaccurate in the fact that they reported collection without informing us, and not responding to multiple inquiries regarding their errors ( including this billing ) - as even required by their own processes that I have submitted as part of the extensive proof of our attempts over a period of 22 months. We even wrote to their CEO. 
16. There are additional proof besides Experian providing wrong information to CFPB repeatedly that you Experian is colluding with and abetting the vendors inaccurate report. One of them is the fact that Experian has removed my legally allowed comments about the collection entry on my report.

17. The collection notation remains on my credit report solely due to negligence of Experian of not acting on irrefutable proof provided to them by me, and further they are abetting the vendors misconduct and causing immense harm during this period of over 18 months that Experian has had all information submitted to them directly and through CFPB. Please refer to CFPB complaints referred to earlier and documents submitted with them. Similarly, I had directly reached out to Experian and uploaded those documents through link your team provided.

18. Experian maintaining the record in my credit report despite these and in their response dated on XX/XX/XXXX to CFPB to complaint # XXXX reverted to an incorrect response they had submitted to CFPB after trying various other untrue information. Thus, Experian is providing untruth to CFPB, thus engaging blatant anti-consumer and illegal practices and is actively abetting of such misconduct by vendors. 
19. By repeating this with lies for over 18 months by continued lying to CFPB, the agency with mission to prevent this kind of incorrect anti-consumer actions and harm to consumers. Experian has caused me immense harm and repeatedly acted against clear guidelines of CFPB and FCRA - by ( XXXX ) letting wrong collection notation remain in my credit report after immense and irrefutable proof, ( 2 ) removing the mandate and legally allowed consumer statement on incorrect collection report in their credit report, and ( 3 ) this action affecting my credit score by about XXXX points. 
20. I rightfully ask Experian to remove the indirect collection notation from my credit report and fix the damage it currently has on my credit score.

21. I respectfully request CFPB to take a note of this and ( 1 ) help me get my credit report fixed by getting Experian to remove the incorrect collection notation and fixing the effects of it on my credit score, ( 2 ) take necessary action, so Experian does not do this to other consumers, given CFPBs mandate and authority on behalf of consumers for fixing this kind of incorrect activity when the proof is immensely clear.

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