Consumer complaint received 2020-11-19
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: Was not notified of investigation status or results

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), This is my second time contacting Experian in writing regarding the Incorrectly, Inaccurate, Incomplete and Unauthorized Information on my Credit File. The first letter was mailed on XX/XX/XXXX and a second letter was mailed on XX/XX/XXXX. 
one ( 1 ) duplicated home address and two ( 2 ) wrong addresses, My place of employment reported incorrectly, one ( 1 ) unauthorized Credit Inquiry, six ( 6 ) inaccurate and incomplete installment credit accounts and one ( 1 ) unrecognized Creditor Contact Information, two ( 2 ) accounts listed under Derogatory Information, That I find to be problematic. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly. 
CFPB, Here is a list of my concerns : My name is : XXXX XXXX XXXX ( CFPB, I submitted a copy of my Georgia Driver licence on XX/XX/XXXX and XX/XX/XXXX ) My current address is : XXXX XXXX XXXX XXXX, Ga. XXXX ( CFPB, I submitted a copy of my royalty / payroll check on XX/XX/XXXX and XX/XX/XXXX, to reflect my home address ) Previous address : NONE Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : ( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX ) Wrong Addresses Reported : XXXX XXXX XXXX XXXX GA XXXX ( DUPLICATED ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX My Current Employer is : XXXX XXXX XXXX  ( since XXXX ) ( CFPB, I submitted a copy of my royalty / payroll check to reflect my place of current employment on XX/XX/XXXX and XX/XX/XXXX, to reflect my home address ) Please Remove Consumer Statement 1 : XXXX & XXXX XXXX Id Security Alert : Fraudulent Applications May Be Submitted In My Name Or My Identity May Have Been Used Without My Consent To Fraudulently Obtain Goods Or Services. Do Not Extend Credit Without First Verifying The Identity Of The Applicant. This Security Alert Will Be Maintained For 1 Year Beginning XXXX. 

( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX to remove this statement off my credit file ) Request Investigation of Credit Inquiry on My Behalf : US SM BUS ADMIN ODA XXXX XXXX XXXX. XXXX XXXX TX XXXX ( XXXX ) XXXX Dated : XX/XX/XXXX ( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX to investigate and remove this hard inquiry off my credit file, I do not know who this is ) I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
( CFPB, I submitted a written request on XX/XX/XXXX and XX/XX/XXXX to remove account 1, 2, 3, 4, 5 and 6 off my credit file, all information is inaccurate and incomplete ) I also supplied them a copy of my credit report with all the inaccurate and incomplete information being reported. 
Account 1 : XXXX  Account Holder : XXXX Account Type : Installment Account Condition : Indeterminate Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$0.00} Last Reported : XX/XX/XXXX CFPB look at Account 1 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 

Account 2 : XXXX  ( look like a duplicated account, see account 1 ) Account Holder : XXXX Account Type : Installment Account Condition : Indeterminate Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$0.00} Last Reported:XXXX CFPB, look at Account 2 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 

Account 3 : XXXX ( look like a duplicated account, see account ( s ) 1 & 2 ) Account Holder : XXXX Account Type : Installment Account Condition : Indeterminate Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$0.00} Last Reported : XX/XX/XXXX CFPB, look at Account 3 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 


Account 4 : XXXX ( look like a duplicated account, see account ( s ) 1, 2, & 3 ) Account Holder : XXXX Account Type : Installment Account Condition : Indeterminate Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$0.00} Last Reported : XX/XX/XXXX CFPB, look at Account 4 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 


Account 5 : XXXX XXXX XXXX  Account Holder : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$9800.00} Last Reported:XXXX Remarks : Dispute Resolved Consumer Disagrees Completed Investigation Of Fcra Dispute Consumer Disagrees CFPB, look at Account 5 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 

Account 6 : XXXX XXXX XXXX Account Holder : XXXX Account Type : Installment Account Condition : Closed Date Opened : XX/XX/XXXX High Balance : {$0.00} Account Balance : {$11000.00} Last Reported:XXXX Remarks : Dispute Resolved Consumer Disagrees Completed Investigation Of Fcra Dispute Consumer Disagrees CFPB, look at Account 6 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information when viewed on my credit report, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1 include Xs instead of the full number ( this is a BIG issue ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate for all these reason, this should be deleted from my credit file. 


Account 1, 2, 3, 4, 5 and 6 is inaccurate and incomplete because the account number is inaccurate or incomplete. Errors that have occurred are as followed ( 1 ) Incorrect balance, ( 2 ) Missing information, ( 3 ) Status and other fields left blank, ( 4 ) Status incorrect ( 5 ) Account number are all inaccurate : Account 1, 2, 3, and 4 include Xs instead of the full number ( this is a BIG issue we will discuss ) ( 6 ) Account type inaccurate, ( 7 ) Invalid furnisher ( 8 ) Date of last update incorrect, ( 9 ) Date reported inaccurate ( 10 ) this should be justifiable deleted According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 



I enclosed a copy of the letter that was sent on XX/XX/XXXX and XX/XX/XXXX, it was the same letter I just changed the date on.

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