Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the Experian credit bureau numerous times ( 5 to be exact ) informing them that the collection agency XXXX is reporting inaccurate and erroneous information on my credit profile. I was never contacted in writing prior to the collection being placed on my account. However, I do see that XXXX XXXX made two ( 2 ) inquiries on my credit report without my permission. This is a violation of statute 606 and falls under statue 624. Additionally, the Experian credit bureau keeps sending my dispute letters directly to the collection agency ; failing to properly and thoroughly investigate my dispute based on the information provided directly to them from myself the consumer. 

I have no verbal or written contract with the collection agency XXXX XXXX Acct XXXX stating that I would pay them any money. I have never obtained any services from this company. Therefore, I have no debt to this company. Experian credit bureau and XXXX have both failed to provide substantial evidence that the debt belongs to me. After 5 letters I still have not received a copy of the alleged contract binding me to this supposed debt collection agency. Furthermore, the Experian credit bureau allows XXXX XXXX to continuously update the date of the last activity on this alleged account every month. They are manipulating the alleged debt Date of last activity to falsely extend the statute of limitations on this erroneous account. However, the alleged amount owed stays the same. Additionally, Experian is reporting the alleged debt past due and closed every month which is negatively impacting my overall score for a debt that does not belong to me. 

I demand that Experian credit bureaus permanently delete the alleged debt and collection from my credit profile. This alleged debt is defaming my character and causing me to constantly get denied for new credit opportunities. This inaccuracy is highly injurious to my credit rating and ruining my financial credit health. 

According to the FCRA Credit reporting agencies are obliged to delete inaccurate, incomplete, or unverifiable information. Neither Experian nor the collection agency has explained how this alleged debt was verified. With the exception of taking the word of this unknown company that there is alleged debt. 

Experian credit bureau have neglected to properly investigate inaccuracies on my credit report by continuously reporting erroneous information. Even after I notified them numerous times of the misinformation. My first letter was sent on XXXX XX/XX/XXXX. The Experian responded back on XXXX XXXX stating that there were no errors on my credit profile. My second letter was sent XX/XX/XXXX. Experian, again, responded back in less that 14 days on XX/XX/XXXX. Stating that the debt was again verified without proof of verification. I sent a third letter on XXXX XXXX XXXX. Experian responded back on XXXX XX/XX/XXXX. Only 7 DAYS after my letter was sent. Informing me that the alleged debt was verified, and no changes would be made to the listed collection. I sent a 4th letter on XXXX XXXX XXXX. Experian responded on XXXX XXXX XXXX stating that the account was verified accurate and there would be no changes. I sent my 5th and final letter on XX/XX/XXXX, letting Experian know that it was my last attempt to allow them to completely remove the collection from my report. Failing to remove the account completely would result in me filing a formal complaint. Experian responded back on XX/XX/XXXX, informing me that there were no inaccurate information on my credit report. 


Statue 611 -15 U.S.C. Statue 1681i section 1a states that the credit agency will conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day. How was this collection account properly investigated or reinvestigated when the collect account is still currently erroneous to this very day? ( I have attached a screenshot of the current status ). I have continuously informed Experian that the alleged collection account is full of unverifiable information and inaccuracies. 
Section 5a of Statue 611 also states that 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

I again am demanding that Experian removed this erroneous account from my credit profile since they failed to conduct a proper investigation 5 FIVE times. 

I am also demanding that Experian Credit bureau pay a fine of {$1000.00} for every dispute letter I sent them that was not properly investigated. Totaling {$5000.00} to be paid to me the consumer. 

I look forward to a response in regard to my failed attempts to have the credit agency remove the erroneous account from my credit profile.

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