Consumer complaint received 2024-07-21 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: TN

Complaint narrative:
Please see the attached as evidence on both the XXXX XXXX XXXX and the XXXX XXXX or XXXX XXXX negatively reported accounts. 
All three CRAs have stated they verified the XXXX XXXX TAB account and have found me to be lying and, through FCRA investigation requirements, have concluded, based on documentation, account, and billing statements, specific inquiry into my incessant claims of having on XX/XX/XXXX reported immediately to the XXXX XXXX XXXX Department of fraudulent transactions due to identity theft, a listing of the XXXX hotels that are under the same parent company, the employees involved, and how the fraud occurred, for which each time over XXXX months I called to check status of investigation and holding these fraudulent actors accountable. I have spoken twice with XXXX XXXX XXXX, as requested via email. Both times, the following was stated to me ; We were never asked, inquired about, nor provided any documentation on the fraudulent occurrences due to identity theft because the CRAs only requested verification of the account being obtained. On my own and for me, so because you filed complaints through the CFPB, which has no bearing on us, and because the XXXX was requesting verification of your opening the account as owner, we will not provide you or them with any further information. It would have been best if you had come only through us, but because you didnt, we are not offering any additional information about the fraud due to identity theft transactions. I am requesting the CFPB either request the time-stamped documentation, billing, and transactional history, the reporting history, and the information requested by each CRA of XXXX XXXX XXXX XXXX to the fraudulent transactions due to identity theft, as each has stated repeatedly they have acted by FCRA guidelines and have determined to leave this negatively reported dishonest, fraudulent account on my credit file when the original creditor states they have neither requested nor received such information, simply verification the account was my own. I am requesting the CFPB to investigate these investigative processes as well as refer this case to the XXXX XXXX, which can investigate XXXX XXXX XXXX. All I am doing is further stating that if this is commissioned and if I am found to have been dishonest, misled, misrepresented, and committed fraud on a federal site against a federal agency, I will be criminally charged and held fully accountable. I attest again to the CFPB and the CRAs here, as an oath, XXXX XXXX TAB is knowingly, willfully, and intentionally committing additional fraud and has stated my filing complaints has sealed my fate. However, I am sure of my telling the truth, which in turn makes me sure that the CRAs have not investigated, have not had the time-stamped documentation, statements, transactional history, etc., called for under FCRA, XXXX this account would have long ago been deleted. Attached is the proof of mailing XXXX priority receipt all documents to XXXX XXXX inclusive of the FTC, CFPB complaints, the Notice XXXX XXXX and obligations of Furnishers with the returned file torn open and then refused, which was admitted to. 
On the second negatively reported account, LVNV and Credit XXXX, I also have attached proof of their both receiving the same file PRIOR to then reporting negatively against FCRA guidelines, and further, a Letter of Verification from XXXX XXXX for all CRAs to delete all negative accounts connected to Credit XXXX. This is being refused. 

While XXXX and XXXX have demonstrated professionalism, respect, and compliance with the FCRA and the CFPB and have been communicative, efficient, and 95 % fair while adhering to laws, regulations, and guidelines, I request a thorough investigation into these XXXX accounts. I am seeking a conclusive outcome that addresses any potential criminal implications for myself and the conduct of the XXXX CRAs and XXXX XXXX XXXX. 
Experian has in total, and with total disregard for FCRA, the CFPB, myself, and likely thousands of other consumers like myself who should unite ; I am requesting a full review, investigation, and an investigation into the comprehensive, willful, intentional neglect, actions, and harm imposed on myself through unlawful reporting, inaccurate systemic inaccurate and false reporting, failure to investigate, to give an adequate response, failure to communicate, and a willful disregard of FCRA, the FTC, CFPB guidelines and oversight as is pervasive throughout my account, and is most likely a strong, reasonable conclusive objectively derived necessitation for a comprehensive investigation as their having a systemic, foundational, and operational deficiency that possibly hundreds of thousands citizens of specific statuses, economic levels, and class of our society is facing daily, and the overall economic harm being caused to our country. When XXXX months later, after multiple accounts unlawfully stating accounts as XXXX in chapter XXXX bankruptcy while still providing amounts owed, past due, negative delinquencies ; While taking a title-loan that was closed and written off over a year ago with an original debt and total debt owed even according to the creditor of {$3800.00} and less than XXXX months later, Experian intentionally XXXX credit by taking that amount up by a XXXX % interest rate to now show me owing over {$XXXX} and growing every month, increasing debt amount, the amount owed and being repeatedly disputed as an unlawful, intentional fraud to cause my credit and financial standing continued harm is not operational malfunction at a single level ; it is along with all other unlawful actions evidence of a pervasive systematic unfair, improper act against most likely the lower XXXX % of our country. If Experian were to ask the original creditor what amount would satisfy the debt, and the answer is {$XXXX}, why is Experian stating to all possible creditors that the number is nearly 300 % higher and growing? How does Experian knowingly and intentionally leave a fraudulent account due to fraud on my report for over XXXX years, knowing it was removed from every other CRA immediately, inclusive of Experian, and then placed back on my credit file? Especially after XXXX XXXX, XXXX of the creditors from XXXX, has agreed it is unlawful and incorrect? Why does Experian report completely inaccurate information on almost every account? Is it objectively clear, and refuses to fix it? Why does Experian not once mail out a copy of my credit report, an explanation of an investigation, and never once find that a single dispute results in a finding in my favor, even when clearly evident? Experian has never once investigated under FCRA as guided and has never once responded to a single complaint, dispute, or factual unlawful act by repairing it. Experian Legal was sent pages of substantial, incessant, harmful, unlawful, and inaccurate complaints, to which they responded the issues had already been raised. Nothing about the issues being addressed, nothing about correcting the issues, and I am requesting the CFPB, given my persistence in bringing forward significant, numerous, continual unlawful, anti-regulatory, actions that have caused me financial harm at the highest level, simply request Experian to provide time-stamped documentation, tangible information, a listing of what measures Experian used XXXX investigating issues raised and an explanation why they repeatedly act unlawfully, incompetently, and with such disregard to FCRA in XXXX pursuit of harming an entire status of class in our society and review them from a large segment of our citizenry that is devastating the financial strength, capability, and increasing inequitably the challenges when this segment and class of our society is the least empowered already.

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