Consumer complaint received 2023-05-19
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:
I have send out letter to XXXX to Request copy of my credit twice last year in XXXX and XX/XX/XXXX and this year twice back in XX/XX/XXXX and XX/XX/XXXX they keep send me this one page document asked for copy of My ID and soc sec card and copy Bills with current on it i have send that to them XXXX time. 

I have write experian and XXXX XXXX and XXXX to remove and Delete collection account off my credit they keep say they have verify the information with the creditor. but no Proof from the creditor at all the 45 days mark was over the limit complete. 

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted and removed off my credit report. 
Please Delete and Removed these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

I asked all XXXX credit Bureau remove all Old Address off my credit report that was not Done At all they keep them on there they need be remove and Delete off Old Address Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX  Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX  Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account. 

Creditor : XXXX XXXX XXXX Reason : failed to submit sufficient proof to validate the inaccurate account.

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