Consumer complaint received 2020-07-30
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 filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on XXXX  although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX  XXXX XXXX  is still reporting on XXXX and Experian inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both XXXX and Experian to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with XXXX and Experian for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/XXXX a method of verification from both Bureaus for  each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from Experian and XX/XX/XXXX it was returned as verified from XXXX. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both XXXX  and Experian with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both XXXX  and Experian with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from XXXX and Experian. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from XXXX and Experian due to it being inaccurate.

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