Consumer complaint received 2019-04-25
Company: Experian Information Solutions Inc.
State: OK
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 have been disputing these ( 3 ) accounts for over 8 months ( starting in XXXX of 2018 ) now with each bureau, as well as directly with the creditors in question. They both always claim the accounts and information are verified and valid, but when asked for their method of verification or proof that they are actually conducting an independent investigation, they never give me any information on that. 1.In all of this time I have only gotten 1 reply from the creditor " XXXX XXXX XXXX XXXX '', wherein they stated their claims were valid. When I then pointed out that the information was inaccurate because it was different information with each bureau, I never got a reply from the creditor again, and each bureau just continually told me the info was " verified ''. There has also never been any mention of this account being in dispute on my report, which is an FCRA violation. 2. The account " XXXX XXXX XXXX '' ( 3 accounts ) has also been disputed multiple times for report info that is different across each bureau. This account was never marked as disputed on my report. Also for the name that is listed on my report is " XXXX XXXX XXXX '' when the company 's actual name is XXXX, XXXX as if to insinuate they have some affiliation with the XXXX XXXX XXXX XXXX which is also a violation. 3. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a transaction history that I don't recognize on an account with a company other than theirs. ( photos will be attached ) 4. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a private lease agreement from a company other than theirs containing my ( redacted ) personal information. ( photos will be attached ) 5. " XXXX XXXX '' This account has been " VERIFIED '' as accurate, even though each bureau has reported different account status such as charged-off and open. I have also requested multiple times for a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Each time they only send me a screenshot of a write-off amount from another company with no evidence tying me to their company. ( photos attached ) 6. After multiple requests, the account " XXXX '' listed on my report has never responded with any proof that this account or alleged debt belongs to me. The only reply I have ever received is that they would no longer be contacting me to pursue this debt, and it has not since been deleted. It has also never been listed as disputed on my report

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