Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint against Experian for the reasons as follows : I am a government worker and my private information and our system has been breached on multiple occasions. My information has been breached with the federal government, XXXX and by County governments. I have identity protection and identity theft monitoring on all my accounts. 
Experian has consistently failed to provide method of verification on all disputed accounts. 
Experian was contacted and requested their method of verification through multiple written certified correspondents to no avail. Experian replied with a form letter or the items was verified as accurate and simply updated. 
Consumer Disputed credit limit error on a positive account. Experian did not verify the information/credit limit with creditor and posted the limit at {$500.00}. 

The items I am disputing with Experian are as follows : 1 ) Experian XXXX XXXX Acct # XXXX I called XXXX and the credit limit for the account was {$5000.00}. Experian was and is reporting the credit limit as {$500.00}. 
Experian Investigation Results : No response to request. 
Remedy Requested by Consumer : I want Experian to report the correct and updated with the correct credit limit of {$5000.00} from the creditor. 
2 ) Experian XXXX XXXX XXXX Acct # XXXX This item was disputed on XXXX. Consumer disputed late payment reported by Experian on XX/XX/XXXX. Each dispute referenced FCRA Section 609 ( a ) ( 1 ) ( A ) & FCRA Section 611 requesting Experian disclose its Method of Verification.

Experian Investigation Results : Verified. 
Summary : Who verified this late payment? Who at XXXX XXXX XXXX did Experian speak to on behalf of this late payment. 
Remedy Requested By Consumer : I did not have a late payment with XXXX XXXX XXXX. Delete the XX/XX/XXXX late payment from the XXXX XXXX XXXX Acct # XXXX. 
3 ) Experian XXXX XXXX XXXX Acct # XXXX This item was disputed on XXXX. Consumer disputed late payment reported by Experian on XX/XX/XXXX. Each dispute referenced FCRA Section 609 ( a ) ( 1 ) ( A ) & FCRA Section 611 requesting a copy of the original consumer contract, and Experian Method of Verification. 
Experian Investigation Results : Verified as accurate. 
Summary : What employee at Experian verified this account? Where is the documentation for the date posted as verified? Where is the original signed consumer contract? 
Remedy Requested By Consumer : THIS IS NOT MY ACCOUNT. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX. Delete Collection Account immediately. Experian has had 8 months to provide original contract and provide method of verification this information. 
Experian Investigation Results : Verified as accurate 4 ) Experian # o Chapter XXXX bankruptcy : This item was disputed on XXXX. 
Experian XXXXnvestigation Results : Verified as Accurate. 
o Summary : Consumer requested item to be verified. Consumer requested Method of Verification used to verify item. 
o Requested Remedy By Consumer : Provide proof and method of verification or Delete Chapter & Bankruptcy Immediately 5 ) Experian Reported a late payment on XX/XX/XXXX. I have verified proof from my XXXX statement that I was not late on XX/XX/XXXX XXXX ( Experian I do not an account with XXXX XXXX XXXXI have requested through multiple written requests that I need Experian to provide their method of verification. 
Experian Investigation Results : Verified as accurate Summary : THIS IS NOT MY ACCOUNT. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX. 
Requested Remedy By Consumer : Provide original signed contract with my signature or Delete Account immediately.

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 non-monetary relief