Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been disputing an inaccurate alleged debt on my credit reports from XXXX XXXX XXXX XXXX with Experian on and off for years to no avail. I gave up. Within the last XXXX months, I've been denied credit and attempted to clean up my credit report again. I again disputed the information with Experian, who again came back claiming the information was verified. I then requested a re-investigation specifically stating that I wanted every single piece of information they're reporting verified. I wrote a XXXX letter to the XXXX company requesting FULL VALIDATION and filed a complaint with CFPB. The results of the re-investigation from Experian came back claiming the information was verified. In the meantime, the XXXX agency wrote to me stating after a review of my account, " XXXX XXXX XXXX XXXX XXXX  '' to the balance. Yet, they've been trying to collect the wrong amount and reporting inaccurate information for XXXX years ... and Experian simply took their word and continued reporting it ... for XXXX years. The XXXX agency failed to provide full validation. They report that they opened this account in XXXX of XXXX with an alleged balance of XXXX  despite my disputes with the credit bureaus. As a result of my direct dispute with the XXXX  agency in XXXX of this year, they sent me a XXXX statement that is complicated and unclear showing an alleged balance of XXXX. How and why was this company trying to collect and report an alleged balance of XXXX for XXXX  years and why is MY investigation after I filed a CFPB complaint the only investigation that resulted in confirming that the information being reported was inaccurate? Also, where is the itemization that shows why they were reporting and collecting that figure in the first place? Did the original creditor give the XXXX  agency the wrong information? Did the original creditor give the XXXX agency the correct figure, but the XXXX agency inflated the balance? The XXXX company has failed to fully validate the alleged debt and Experian failed to fully investigate my disputes AND my request for a re-investigation. Experian has reported different dates of first deliquency than XXXX for XXXX  years, which affects how long the alleged debt remains on my credit report. To clarify this, I requested the date of first deliquency alleged by the original creditor from the XXXX company, but they did not provide it. How, after XXXX disputes and a request for re-investigation, can each Experian still be reporting a conflicting conflicting date of first deliquency and balance due ... after XXXX  years? I am tired of dealing with this. The XXXX company and the credit bureaus have had plenty of opportunity to investigate, validate and confirm the information they were reporting, yet they all chose to disregard my disputes and continue to report inaccurate information. I am tired of spending my time, money and energy on empty procedures. I demand that the XXXX agency immediately stop reporting this alleged debt and that Experian immediately remove it from my credit profile. I am prepared to take further XXXXXXXX action and continue filing complaints with the appropriate agencies. I have attached copies of letters, disputes and partial validation from the XXXX agency.

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 non-monetary relief