Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding inaccuracies and erroneous information on my credit report to XXXX, XXXX XXXX Experian. To this day, I have received no response regarding my disputes on the above dates and I even provided the documentation of the balances and payments. I feel like I am being taken advantage of and am being ignored. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 
XXXX. ) XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX Experian has inaccurate balances and inaccurate payment amounts on my account. I have disputed this with documentation, and they are refusing to re-investigate. They are reporting {$13000.00} as the current balance, which is not accurate. The balance is currently {$9000.00} as of today. They are reporting inaccurate amounts on my payments and inaccurate dates that I have made them. XXXX has agreed with me to go back into repayment as of XX/XX/XXXX, and I have uploaded the agreement and all the payments I have made. The first XXXX receipts have the accurate amount due before and after the payments. ( XX/XX/XXXX and XX/XX/XXXX ). After that they refused to provide me with the balance before and after each payment that I paid monthly. XXXX said they were not able to provide the balances to me and then when I sent them a letter requesting the documentation of my payments and subsequent balances, they added on money onto my account without my knowledge. I agreed to repay the amount that I borrowed which was {$15000.00}. And it shows that amount of {$15000.00} as the beginning balance on my first receipt XX/XX/XXXX, and then after my {$1000.00} payment, the ending balance was {$14000.00}. The subsequent payments agreed upon was {$500.00} per month and the second month had the correct beginning and ending balance. XXXX XXXX at XXXX XXXX told me that the customer service cashiers were told to not give me receipts with balances on them. This does not make sense. It appears that they are hiding something and being discriminatory towards because I am XXXX. I cant even go in to make my payments anymore because of this. Then when I pulled a copy of my credit report from XXXX, XXXX XXXX Experian, the balance was inaccurate and is still showing {$13000.00} currently after I have made monthly payments of {$500.00} as agreed upon for 10 months. I have repeatedly requested that XXXX, XXXX XXXX Experian to do a re-investigation and they have refused stating that XXXX XXXX has verified the information. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 7 months since my first request to investigate. Therefore, I am requesting that they remove this account from my XXXX, XXXX XXXX Experian credit report d/t the erroneous and inaccurate information they are reporting on me. 

XXXX XXXX, account XXXX has inaccurate reporting on my XXXX. XXXX, Experian credit report. This account is paid in full. I have attached documentation. I disputed the amount with the XXXX, XXXX XXXX Experian, and they refused to investigate. On my XXXX Report, it is reporting {$3500.00} as the balance due. 

XXXX ( XXXX XXXX ) # XXXX is not my account and if it was, they have sold it without my permission to a 3rd party. This is a violation 15 U.S.C 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions. My information was also impacted by the XXXX date breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX  XXXX is not my account. I received a letter from the original creditor stating that I am not responsible for this balance and that it was going to be removed in 30-60 days and it never got removed. It was removed once but has since been placed back on my credit file. This is a violation of 15 USC 1681 section 604 A, which states that a consumer reporting agency can not furnish an account without my written instructions. I never gave permission. 

Also, the following hard inquiries appear on my XXXX credit Report without my knowledge. I never gave permission for these companies to pull a credit report on me on the dates documented below : XXXX. ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ( XXXX, XXXX XXXX Experian ) ; XXXX. ) XXXX XXXXXXXX XXXX XXXXXXXX ( Experian ) ; XXXX. ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX XXXX XXXX  XXXX ( Experian ) XXXX. ) XXXX XXXX ( XXXX XXXX XXXX. ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX. ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX. ) XXXX XXXX XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX. ) XXXX XXXX XX/XX/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