Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have previously tried disputing several inaccuracies reporting on my credit file. Experian has stated these accounts have been verified by the creditors. I don't believe that an accurate and complete re-investigation was performed due to these disputed accounts still appearing on my credit file with inaccurate data fields reporting. I have also requested the procedures used to verify these accounts and Experian has not honored my request for the procedures used to verify these accounts, as per the FCRA. I have listed the accounts that are appearing inaccurately on my credit file below : XXXX/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor an no validation has been provided. This account is inaccurate and unverified. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. This account needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX This account is missing data fields and is reporting inaccurately. The high balance is incorrect, and the closed date is not reporting on this account. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX This account is missing data fields and is reporting inaccurately. The high balance is incorrect, and the closed date is not reporting on this account. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX - This account is missing data fields and is reporting inaccurately. The high balance is incorrect, the closed date is not reporting on this account and the date of last activity is inaccurate. This account is also reporting inconsistently information, which does not comply with metro2 guidelines. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX/Acct # XXXX This account is reporting on both XXXX and Experian with inconsistent information being reported. Experian is reporting a high balance of {$0.00} and XXXX is reporting a high balance of {$620.00}. This account is unverified and doesn't comply with metro2 guidelines. This account needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA.

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