Consumer complaint received 2021-09-18
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: Their investigation did not fix an error on your report

Complaint:
I have submitted al disputes to Experian in regard to the following records listed on my credit file : Reference Number XXXX and Reference Number XXXX. I have provided the required details within my disputes as to why the reference numbers are reporting inaccurately. Each time I dispute these items, Experian returns the disputes are reporting accurately. When I send more information, Experian is now sending me letters stating they will no longer investigate the references without more information. My recent disputes have included very detail documentation outlining exactly the inaccurate details Experian is reporting. Yet, still Experian once again has sent another letter stating they will not investigate the either Reference Number XXXX and Reference Number XXXX. On XX/XX/2021 I sent Experian a certified letter of dispute and according to the XXXX, Experian received the new dispute on XX/XX/2021. On XX/XX/2021 Experian once again sent me a letter stating they will not investigate my dispute. Experian has continued to violate my rights as outlined under the FCRA. My most recent dispute to Experian is extremely thorough. Included within this dispute is direct verified documentation from the courts. In addition, Experian stated they have verified the both Reference Number XXXX and Reference Number XXXX via XXXX. However, I included documentation directly from XXXX stating neither Reference Number XXXX and Reference Number XXXX was verified and thus bother references were REMOVED from their database and thus Experian is falsely stating they are verifying this inaccurate data for Reference Number XXXX and Reference Number XXXX with XXXX. My dispute to Experian clearly outlines the several inaccuracies. According to the FCRA if I submit a written dispute about the accuracy of an item on my report, credit bureaus must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute including removing the disputed debt from my credit report. Experian has continued to show a number of ways they fall short of their duties, Experian have an obligation under the FCRA to ensure the accuracy of the information for Reference Number XXXX and Reference Number XXXX. Its illegal to report information that you know or believe is inaccurate. The FCRA clearly states EXPERAN can NOT, under any circumstances, report information the consumer has told is inaccurate if it is, in fact, inaccurate. My details provided to EXPERIAN CLEARLY SHOW THE DETAILS BEING REPORTED FOR Reference Number XXXX and Reference Number XXXX are inaccurate and unverified! BOTH Reference Number XXXX and Reference Number XXXX must be removed from my credit report immediately this is according to FCRA. If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ) this was not DONE! Experian continues to violate my rights and Im concern even after this report, they will simply reply stating they will investigate further! This can not happen they have had the opportunity to investigate and will simply send me another letter stating Reference Number XXXX and Reference Number XXXX are accurate and verified. THIS IS NOT LAWFUL!!! MY EVIDENCE IS CLEAR AND MY RIGHTS WERE CONTINUED TO BE VIOLATED NOTHING LEFT FOR EXPERIAN TO DO OTHER THAN TO REMOVE BOTH Reference Number XXXX and Reference Number XXXX from MY CREDIT FILE NOW. PLEASE DONT ALLOW EXPERIAN XXXX SIMPLY CONTINUE TO DO THIS. PLEASE SEE MY EVIDENCE AND DEMAND THEY REMOVE THESE ITEMS NOW. PLEASE HELP SECURE MY RIGHTS on this matter!!!! Experian have a duty and they have continued to fail at this and must be held accountable and remove these items NOW!!! What other information must I provide to show Im correct and Experian is wrong? This must end today and have these items REMOVED!!!

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