Consumer complaint received 2023-01-05
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:
According to Experian on XX/XX/XXXX a full investigation was conducted and that all accounts on my profile was verified from each company and are correct which I have found this to be false. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. ***Well Experian has failed to tell the truth and provide accurate and verifiable accounts that I asked to investigate because if that's true why are the following accounts listed below still inaccurate, why do accounts not show remarks that I even disputed these same items for 6 months straight, I asked for full investigation and I have yet to receive any updates via mail or email from Experian showing a full investigation. I have submitted fraud report from XXXX, none of these companies presented a signature of me agreeing to debt or identification showing, besides statements and computerized typed name. I know this not right I have even bureaus more than 60 days to correct this and its still not. 

XXXX XXXX XXXX XXXX XXXX over 120 days and Experian as agreed. XXXX last reported XX/XX/XXXX, Experian XX/XX/XXXX, Last active XX/XX/XXXX on XXXX and Experian XX/XX/XXXX dispute remarks are not being present. 


XXXX XXXX XXXX active XX/XX/XXXX and Experian XX/XX/XXXX inaccurate without notification of my previous disputes. 


****XXXX  account numbers dont match, balance on XXXX showing XXXX but Experian showing XXXX last reported dates on XXXX shows XX/XX/XXXX but Experian showing XX/XX/XXXX. Date last active XX/XX/XXXX on XXXX but XXXX om Experian. No previous dispute indicator is present at all. 

****XXXX  XXXX loan only showing on Experian due to XXXX XXXX inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX completely different, amounts were incorrect but somehow adjusted after several disputes, last reported XX/XX/XXXX, on XXXX but Experian showing XX/XX/XXXX. Last active showing XX/XX/XXXX XXXX but Experian showing XX/XX/XXXX, this item was disputed several times but no dispute remarks at all. Payments on XXXX were red but Experian showing payment was good. 

XXXX XXXX XXXX XXXXt was deleted and later placed back on my profile without notify me within 5 days which is violation : ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information ***NationalCreditSystem-showing closed on Experian but open on others, last active shows XXXX on Experian and XXXX on the other two. 

XXXX XXXX has only been disputed several times asking for proof of this collection and nothing has been presented. XXXX asking now for this account to be deleted since nothing has been presented. 

***Tbom/VT-Sold but reporting under original not 3rd party not showing remarks of dispute, after several disputes was submitted. The original Creditor is not who has debt Ive been harassed by different companies other than the one on the credit report. Two different accounts showing as well if this accurate why havent the companies who are harassing been updated? A full investigation would have found this out. I have attached every account and proof an proper investigation was not conducted After many attempts of asking the bureaus to complete this for me. I'm demanding Experian delete this immediately : along with still showing my previous address and inaccurate employer showing XXXX. They sending stall letters but received the information that was requested several times which is how they updated my current address in the first place, but still showing inaccurate address and inaccurate employer. 

XXXX XXXX has not properly verified debt as stated according to XXXX XXXX XXXX was repossessed XX/XX/XXXX but sold in XXXX?? How is this possible but credit report showing open date XX/XX/XXXX and last report and last active showing XX/XX/XXXX. And no dispute remarks are being present. 
Us Auto Sales-Under the laws of the State of ( State of Repo ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Was not provided any of this, and they have sent inaccurate information back to RESPONSE FROM XXXX!!!! USING INCORRECT NAME CFPB : Our records indicate XXXX XXXX XXXX entered into a finance agreement with XXXX Auto on XX/XX/XXXX. XXXX XXXX XXXX was provided with a Motor Vehicle Retail Installment Sales Contract which outlined the details of the agreement. XXXX XXXX XXXX signed the Motor Vehicle Retail Installment Sales Contract acknowledging full debt owed within the contract. The contract states that XXXX XXXX XXXX agreed that XXXX XXXX would maintain a security interest in the motor vehicle. XXXX XXXX XXXX vehicle was subsequently repossessed due to non-payment on XX/XX/XXXX. XXXX XXXX XXXX was provided with a Notice of Intent to Sell which outlined his right to redeem/reinstate the vehicle. The vehicle was disposed of and proceeds from the sale were applied to XXXX XXXX XXXX account leaving a deficiency balance. It is XXXX XXXX XXXX policy to provide all customers with a welcome letter which advises that we report to all three credit bureaus and will report payment history with our company. XXXX XXXX XXXX submitted a dispute through XXXX which XXXX XXXX responded to on XX/XX/XXXX updating the tradeline. The account was sold to XXXX XXXX in XX/XX/XXXX. We have determined that XXXX XXXX has complied with all applicable law and XXXX XXXX XXXX account was reported accurately. For XXXX XXXX XXXX record we have included a copy of her Motor Vehicle Retail Installment Sales Contract and Purchase Agreement. How was this verified with them saying the car was repossessed XX/XX/XXXX but sold in XXXX inaccurate information. How are they addressing me has XXXX XXXX that is not my name.

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