Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
XXXX XXXX. XXXX, XXXX and Experian are so disorganized and does not pay attention to the Laws governing each state where they have mortgages. Florida is a XXXX XXXX for starting a foreclosure and must be recorded with the XXXX XXXX XXXX. No foreclosure proceeding where ever started XXXX XXXX XXXX since I filed for a hardship mitigation which was approved. I sold the house after disagreements surrounding the title which again their arguments where invalid under Florida XXXX. XXXX XXXX is ignorant of local laws regulating mortgages. 

I had such an issue with them all the way thru for a year until I sold the house. Now a year later after I sold the house XXXX XXXX entered a foreclosure on my credit reports. Clearly it is retaliation for the problems I had with them. 

Well this entry on my credit report for the start of foreclosure is against the XXXX XXXX XXXX and the FRCA. I will file a federal lawsuit if they persist. See below letter sent to them. I will also send to all the credit reporting agencies. 

Subject : Dispute Regarding Incorrect Foreclosure Reporting on My Credit Report. 

Dear Sir/Madam, I am writing to dispute the foreclosure information that has been inaccurately reported on my credit reports. The details in question pertain to my mortgage with XXXX XXXX under account number XXXX. 

Florida is a XXXX Foreclosure XXXX : As you are obviously unaware, Florida follows a judicial foreclosure process. This means that any foreclosure action must be filed through the court system. However, there has been no record of the start of foreclosure filing at the XXXX XXXX XXXX XXXX related to my property. 
False Reporting : Despite the absence of any foreclosure proceedings, my credit report indicates otherwise. This false reporting is damaging my XXXX XXXX and financial reputation. 
Request for Correction : I kindly request that you promptly investigate this matter and correct the inaccurate information on my credit report. Specifically, I ask that you remove any reference to foreclosure related to my XXXX XXXX mortgage. 
Federal Lawsuit : If this issue is not resolved satisfactorily within a reasonable timeframe, I am prepared to take legal action. I will file a federal lawsuit to enforce my rights under the Dodd-Frank Act and the Fair Credit Reporting Act ( FCRA ). 
Proof of XXXX : The XXXX XXXX XXXX XXXX XXXX XXXX ran a search and there is nothing filed related to the subject property. This confirms the absence of any start of foreclosure proceedings. 
I appreciate your attention to this matter and expect a response within 30 days. Please provide written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

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