Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: WA
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 disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only Experian saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from XXXX  or XXXX XXXX whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From Experian I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From XXXX  I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on XXXX, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation.

From XXXX XXXX I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.

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