Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
A consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have recently sent Experian XXXX and white validation of the inaccurate, incomplete information that they are reporting on my consumer report and they have failed to uphold the responsibilities governed to them. How and the XXXX can I provide you with printed, highlighted proof showing the inaccuracies and you still " verify '' the inaccurate reporting. Then send me an updated dispute result just for me to see nothing changed. I will be pursuing civil litigation between all the CRA 's and possibly CFPB because what are y'all doing? 
XXXX XXXX ( XXXX ) I previously attached a copy of a letter sent to me from the creditor. Experian is reflecting XX/XX/XXXX as the open date, however the creditor clearly states XX/XX/XXXX was the open date. Experian also failed to input a closed date which is critical in verifying the accuracy of their data. XXXX XXXX  XXXX ) I previously included a CFPB complaint response in which the company clearly states they will have the XXXX delete this account however the account has only been " verified as accurate '' XXXX XXXXXXXX ( XXXX ) I also attached a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor in which experian reflects XX/XX/XXXX as the date XXXX acquired this account XXXX the original creditor states XXXX acquired this account XX/XX/XXXX. XXXX ( XXXX ) This account is still reflecting incompletely. Experian has failed to input the date of closing for this account! How am I supposed to cross reference the accuracy of the information if the account is not 100 % complete? XXXX has made it clear the account was closed on XX/XX/XXXX however due to experian not inputting all the data for this account I would not have known it! 
All the attachments mentioned can be found in complaint ( XXXX ) The following accounts listed needs to be deleted, the rights afforded to me as a consumer have been violated these listing are a breach of my privacy! 

XXXX XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX OF XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX  ( XXXX ) 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