Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: GA
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 am submitting this complaint completely disgusted with Experian. I have submitted now XXXX complaints about the mishandling of an account that is on my credit report. As I previously stated Experian did not follow the FCRA guidelines in the dispute process nor in the process for furnishers adding items to your credit report. I sent several letters to XXXX regarding account with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. I first let Experian know that I never had an account with them. Experian said that they verified the information. I sent another letter asking Experian to re-investigate my claim. They sent me a letter stating that they reinvestigated and verified the information with XXXX XXXX. I then sent another letter to Experian asking them to show me the process they used to verify this information and who at Consumer XXXX  they spoke with to reach the conclusion that the information is verified, what documentation they received showing them that I was legally liable for this account, instead of showing me the information I requested Experian sent me letters saying that the information was verified and other details to the account were UPDATED. It wasnt until I submitted a complaint in the CFPB that Experian started to blatantly lie about this account being on my report. If you refer to previous complaints I made about Experian you will see that at first they claimed the account was never on my credit report, then once I submitted another compliant with my credit report from XXXX and XXXX showing that they added an illegitimate account to my report that Experian said our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source. As a consumer I have the right to a credit report that is 100 % accurate. Even if EXPERIAN got the information from XXXX XXXX, which they didnt, from a public source they were supposed to notify me of that process and they DID NOT. What is even more disgusting is that EVERY LETTER and EVERY RESPONSE that Experian has given me regarding this account has all been UNTRUE AND INACCURATE. I called XXXX XXXX  myself and asked them about this account they told me that they dont know whats going on with the account and that they have never seen anything like this and gave me a different number for a different company and when I called them, they also gave me a different number and a different company. I then, at the same time I asked Experian to verify my account, sent a CERTIFIED LETTER with a return receipt to XXXX. According to the letter I received and will be attaching with this complaint from XXXX they also reached out to the supposed original creditor, XXXX XXXX, and : the creditor has NOT provided validation ... Consumer adjustment company has submitted a record of deletion to the Bureau. This is evidence that Experian has not verified the account with XXXX nor with the original creditor. Instead, they didnt do their job and continued to allow an inaccurate account on my report. I expect this account to be deleted IMMDEIATLEY!

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