Consumer complaint received 2023-04-04
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:
violations reported on this report are 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. Dear Experian : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Experian also has neglected to correct my profile which clearly shows to be a mixed profile which Experian refuses to fix. -This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. Note : As of XX/XX/ FTC, Attorney general, and CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this accountDelete the following account XXXX XXXX delete this immediately. Experian failed to conduct a thorough investigation which takes longer than 30 days. Experian failed to report the account to be disputed. Provide the documentation showing my signed signature, including the contract/ statement showing the date this account was open. Or delete this account immediately. 

Delete this account immediately XXXX  XXXX delete this account Experian has reported the following violations reported 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. Dear Experian : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Experian also has neglected to correct my profile which clearly shows to be a mixed profile which Experian refuses to fix. -This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. Note : As of XX/XX/ Attorney General, XXXX, and CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account This account is not correct, experian failed and neglected to report accurate information here are more violations on this report for this account 1. What is the amount past due? The report is showing there is not balance owed so why is experian reporting this a collections account?

2. Why is Experian reporting collections every month but is reporting this to have only 1 ( one ) term? 

Delete 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