Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: FL
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 have been disputing an account with the 3 Credit Credit Agencies Experian XXXX  and XXXX. XXXX  has deleted this account for inconsistent inaccurate information. XXXX XXXX and Experian has verified the same account with XXXX this account is reported in accurate information on my credit report it affected me badly the two credit bureaus Experian and XXXX XXXX has failed to do an proper investigation, no investigation has been done at all the date of last activity has not changed/updated therefore no investigation has been done. I have been disputing this account for an accurate information however this account has been supposedly verified I have also requested in method of verification the credit bureau Experian XXXX XXXX has failed to provide me with their medical verification instead they sent and verify letter which I believe is an stall tactic ... both credit bureaus have been sent the information below. as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). The credit bureau has even failed to provide me with the information above instead, I got another verified letter in the mail. I have requested their method of verification since the account has been supposedly verified. The Date of last active with experian is XX/XX/XXXX while XXXX  has XX/XX/XXXX .. if this account was investigated the date should have updated. XXXX  has open date as XX/XX/XXXX while experian has XX/XX/XXXX. The Account type is reporting inaccurate/inconsistent.. experian doesnt even know what kind of account this is, reporting as Unknown while XXXX has telecommunication/ cellular. Experian doesnt even have a valid close date, While XXXX  is reporting a date. This account is also being reported as a CHARGE OFF AND COLLETION. It can not be both it can only be either or charge off & collection this is also in accurate information that is being reported I have been disputing for months and nothing has been done but supposedly verify letters has been sent to me and clearly this account has not been properly investigated the only credit bureau that has properly investigated this account is XXXX  and this account was removed from my XXXX  credit report for an accurate information so how is XXXX  in experience verify this account as accurate if it was removed from XXXX  or in accurate information.

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