Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: PA
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 distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX , it should state XXXX , not XXXX XXXX Where is the proof? Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile. This will be my second attempt with your company ( EXPERIAN ). On XX/XX/XXXXXXXX  I have already reached out to your company wanting proof of the late payments reporting on my credit profile. You have continued to ignore my requests. NOT ONCE during the complaint did I ask for verification. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX , it should state XXXX , not XXXX . Where is the proof? Failing that, the item must be deleted from the report as soon as possible. You response on XX/XX/XXXX was very useless. Not once did EXPERIAN show me proof, something that I am entitled too. If the account was verified from the furnisher than providing proof of bank statements of the late payments, providing proof of receipts of the late payments, providing proof to why high credit is reporting XXXX $ which is should be XXXX , not XXXX should not be a problem. Why are you refusing to provide the documents. If what your saying is true, than prove it! Show me the proof if not please please remove this account from my credit profile immediately. I will continue to exercise my consumer rights via CFPB. I will not be contacted your office either via phone. You are in violation continuing to report. You had 30days to preform a proper investigation the 30day mark has come and gone. Again please do not verify this account and show me the proof only!

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