Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX : XXXX Continued from Case Number : XXXX Account Name : XXXX XXXX XXXX SIMPLE Account Number : XXXX Balance : - Original Balance : {$1500.00} Open Date : XX/XX/XXXX XXXX is in direct violation of Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies. Direct Violation of the FCRA. Direct Cause for Lawsuit. 

XXXX continues to report inaccurate, false information and blatantly lies about disputes filed through the CFPB. XXXX reports all disputes I have previously filed. I understand that as long as there is inaccurate, false, or misleading information, it must be disputed. There are no limits on the number of disputes I can file because that is what the law states. Or is this an attempt by XXXX to limit my rights as a consumer? 

I am tired of this situation. I have tried to correct the errors that I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors in my Experian credit report. 

XXXX sent a statement that is obviously full of errors, false information and they do not fix the errors that THEY THEMSELVES report to Experian. 
My question is, if they supposedly have all that information, why is it not reported in the Experian Balance Histories?

1-Why have they removed that information from the monthly balance, the scheduled payment month by month or how much I paid month by month in the Experian report?, Please explain why it was removed.

2-Why does XXXX not report my last payment? That space is for reporting, not to leave it empty. Do your job and put the last recent payment. 

3-Why does XXXX not show in the document ( account statement ) that it sent, that the original balance was {$700.00}? If you are going to report information, it must be accurate and verified. The account statement should not only be yours to keep, but you should report it to Experian in its entirety.

4-Why are there contradictions in the account statement? You say that the original balance was 1570 but the account statement you sent does not reflect that amount. Are you reporting false information even after having been informed of the existing problem on many occasions? 

XXXX numbers and data that XXXX reports to Experian do not match the account statements they sent in my name. They are clearly violating the FCRA and are not able to correct the problem. 

XXXX-Why does the payment history only reflect 30 and 60 days late? Shouldn't they report 90, 120 and 150 days? Is this reported correctly? Is it incomplete? Fix this in Experian or delete the entire account.

8-Why do you have the account statement and not report it correctly in Experian?

I am willing to escalate this issue to the courts, I have enough evidence where I ask XXXX to be able to correct the errors they report or delete the account and they continue to verify misleading, false and inaccurate information. Lying and admitting in their writings that they act in accordance with the FCRA.

Please do not send me more forms and silly letters trying to justify obvious errors, it is my right that the account is updated with all the information that you say you have ( statement ) and that it is accurate and verified in the Experian credit report.

Because if you have all that information that you sent me, are you not reporting it in the EXPERIAN BALANCE HISTORIES? 
I DEMAND THAT IT BE REPORTED immediately, it is my right and the law requires it. Provide all these months in the Experian Balance Histories or delete the entire account. 

The statements that XXXX sends me are full of false charges, deceptive interest and dishonest practices. I am willing to sue and obtain punitive damages and I have enough evidence to send to my attorney, XXXX XXXX XXXX XXXX XXXX XXXX : Alabama, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX XXXX Supreme Court XXXX Alabama XXXX, the phone number is ( XXXX ) XXXX Last warning to XXXX, they are doing a terrible job, obey the law and verify all the information they claim to have and if so, REPORT IT in the Experian Balance Histories, Deleting the Balance Histories is a direct cause for a lawsuit. Please report all BALANCE HISTORIES TO EXPERIAN OR DELETE THE ENTIRE ACCOUNT. 

Last warning, make my report accurate and verified or I will have no choice but to take this theft of my consumer rights to court. 

Thank you Attention : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation