Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX and I am submitting this complaint for myself. This is my fifth attempt to get an answer from Experian regarding an inaccurate account listed on my credit report. I have removed all names and exhibits from this complaint, so there can not be an unauthorized third party listed in my complaint. My previous complaints were closed out and marked as there is an unauthorized third party. Only the original creditor of this account, XXXX XXXX  XXXX XXXX, should be considered in this complaint and the buyer of this debt should not be considered. Account # XXXX is currently being reported inaccurately on my credit report and should be permanently removed from my credit files. There is no third party involved and I would not like this complaint listed as such and closed out. I give Experian authorization to investigate this inaccurate account and provide me with an answer as to why they continue to break the law and list an inaccurate account on my credit report. 
I am submitting a complaint with your department because I have tried to work with Experian since XX/XX/XXXX to try to get an inaccurate account removed form credit file. My requests to provide me with the documents and information that they have on file, that was used to verify the information on the account listed were ignored. They failed to provide me with any information, method they used to verify this account, or a contact person at the credit card company. 
I inquired about the account and late payments that were on my credit reports. I was not able to get any information for the account that I disputed. This account is showing up on all my credit reports with different names, addresses and phone numbers. I have tried to get information from the credit card company, but when I called in XX/XX/XXXX, I was told that after the account was charged-off they no longer have the information. I sent a letter to the credit card company on XX/XX/XXXX, to the address on my Experian credit reports dated XXXX through XX/XX/XXXX, to get information about this account. This letter was returned to me Return to Sender, Not Deliverable as Addressed, Unable to Forward on XX/XX/XXXX I filed numerous disputes online and by certified mail return receipt. I requested the process used to verify this account and sent a letter to have this account removed because the furnisher of information to a credit bureau is furnishing inaccurate information and violating the law. I submitted numerous disputes online with all coming back as Verified as Reported and some with more incriminating updates added to my files. The late payments dates were changed, and the account was listed as Charged off. 

I sent a letter certified mail return receipt on XX/XX/XXXX and signed for on XX/XX/XXXX requesting that this account be removed from my credit report because the credit card company was violating the law by listing an inaccurate address on my credit report. 

I sent a second letter certified mail return receipt on XX/XX/XXXX and signed for on XX/XX/XXXX requesting the process used to verify this account that was clearly inaccurate. I included a copy of the returned letter and requested that the names and contact information of employees that were spoken to, at the company, as part of the investigation be included in the method used. I received results stating the account was being reported accurately even though the returned, unable to forward letter proves the account is not being reported accurately. I did not receive the method used or the names of the employees at the credit card company. 

I sent a third letter certified mail return receipt on XX/XX/XXXX and signed for on XX/XX/XXXX requesting a description of the procedures used to determine the accuracy of this account that is clearly being reported inaccurately. Once again, I requested the names, address and telephone number of each person contacted to verify this account. Results # XXXX dated XX/XX/XXXX stated this account is being reported accurately. The address listed on these results is still being reported inaccurately and this account should be removed because the credit card company is violating the law by listing an inaccurate address on my credit report. I still have not received any contact information or the method used to verify this account. 

I sent letters certified mail return receipt and challenged the accuracy and reportability of this account with the credit reporting agency on numerous occasions. I asked them to validate the information, the credit card company was reporting and provide me with copies of any documentation and correspondences associated with this account that verifies the accuracy of the information being reported. I requested that if the verification could not be done within the timeframe required by law, the information needed to be permanently expunged from my credit file. I stated that, I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. To date, I have not received any verification, from Experian that this account is being reported correctly. 

I am submitting a complaint with your department because I have tried to get an answer from Experian numerous times and have not heard back from them. I have mailed certified letters return receipts and have not gotten a response to any of my letters asking for the process used to verify the information being reported. I have tried to work with the company and the credit reporting agencies that continue to send back results that say the account is Verified as Reported. This account can not be verified as accurate if the letters I send to the addresses on my credit reports are returned as Unable to Forward or forwarded to another address. I have been disputing this account online, on the phone and by certified mail for over eighteen months now. The Credit reporting agency has violated the law numerous times throughout the last eighteen months. 

PLEASE help me get this derogatory and very damaging account permanently removed from my Experian credit files. 

Thank You

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