Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple times I have disputed an item that is listed on my credit report that my lawyer has identified as true mortgage fraud. The most recent ordered Experian Report that the item shows up on is Report # : XXXX. The item is labeled under " XXXX '' ( additionally other related listings are under XXXX XXXX XXXX and XXXX XXXX XXXX. ( I 'm attaching that previous and current lawsuit paperwork as supporting documentation that this tradeline is fraud and has been actively disputed during Experian 's supposed verification. ). 
XXXX and XXXX have both recognized the fraud and have removed the negative item from my credit report. Yet, Experian supposedly " verified '' the negative information even though the lawsuits in themselves mean the alleged trade line is in active dispute. Thus any reporting, listing and updating is completely illegal and against the FCRA and FDCPA provisions. 
Additional proof of how long this has been disputed can be found by visiting my county courthouse public website for civil and criminal information at XXXX then Clicking on Civil, Family and Probate, then searching by party and typing in my name XXXX XXXX ( with no additional identifying information. XXXX of the cause numbers are specifically related. You can see that I 've been in an active lawsuit against the fraudulent parties since XX/XX/XXXX. 
XXXX and XXXX both recognized the fraud and that the tradelines were in dispute. As such they removed the trade line. Apparently Experian does n't like to follow the law and likes to harm consumers. When I pointed this out to Experian, they stated in summary : that they do not use other agency 's investigative results to determine their investigation decisions. Which is understandable on it 's face. However it 's VERY clear that they did not investigate at all, nor did they read my supporting documentation. 
In short : * The Tradeline is provable as fraud * XXXX on behalf of XXXX Master Participation Trust is the only possible Lender ( which is also in dispute and fraudulent ). XX/XX/XXXX has NO business on my report at all. They are completely foreign and a stranger to the situation. That 's why I 'm suing XXXX and not XXXX as you can see in my most recent petition. 
* The Tradeline was actively being disputed via lawsuit in court during their investigation * They illegally via the FCRA and FDCPA " verified '' it somehow illegally during this process. As such I demand to know the Method of Verification. 
* They are currently showing inaccurately that my home has been liquidated or foreclosed on XX/XX/XXXX when that is completely false, as I am still living in it and there has been NO foreclosure sale. Additionally, I have been sent a rescission of loan acceleration letter in the mail ( even though the alleged servicer really has no authority. It is still proof that the reporting is inaccurate and false ) * They continue to allow this fraudulent tradeline to harm my credit report despite obvious proof that it is fraudulent. 

Per FCRA and FDCPA laws I demand that they immediately remove these negative tradelines from my report. Should they fail to do so I will sue them in court for violation the FDCPA and FCRA. I will demand attorney fees, damages and punitive damages as allowable under the law. 

The attached petitions and exhibits are from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I have also attached the results of the XXXX Investigation as an example of compliance. 
I have also attached the rescission of acceleration notice ( even though they have no authority, as it still shows the false reporting ).

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