Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NY
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 submitted a complaint on XX/XX/XXXX about a XXXX  XXXX account on my credit report you have responded through the cfpb that the account doesn't exist on my credit report how could that be when I provided facts directly from my credit report? I do not believe that you did an investigation into this account you are now required to prove that you did an independent investigation and you didn't just parrot me. if you can't do that, this account needs to be removed. 

( complaint submitted on XX/XX/XXXX ) XXXX  XXXX sold the debt to XXXX XXXX  and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always come back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to portfolio recovery to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many times this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX ( EXPERIAN RESPONSE ON XX/XX/XXXX ) Company 's Response Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate that there is an inaccurate account appearing in your Experian credit report. You are requesting that the inaccurate account be removed from your credit report. According to our records, the disputed account does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumer disputes swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.

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