Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Human response required, no automated responses accepted. Unresolved issues remain. Experian is refusing to investigate addresses, accounts, and inquiries that have been disputed in writing multiple times as witnessed by the XXXX  and CFPB. Experian refuses to acknowledge all items within my complaint even when directed in writing to do so specifically. Experian has now made false statements to myself and the CFPB in its response to my complaints and demands. They are asserting I am not allowed to dispute inquiries directly with the bureau and must dispute them with the third party. False. I am entitled to dispute inquiries, in writing just as I have done, directly with the bureau. I expect those disputes to be taken seriously, and investigated. Also, when I demand debt validation information in the process of a dispute, I expect you to require the Reported to provide it. When they can not, you must delete the account. This brings us to issue number one. I disputed an account titled " US DEPT EDXXXX '' and submitted a written request through the document upload section for Experian to require that the company prove ownership of the account via a signed promissory note. They failed to do so. Again, Experian lied and said they " verified '' the account when all they did was one computer pinged another saying accurate? And it answered, accurate. And then Experian reported to me the account was verified when it was not. I dispute the following information and demand evidence of its authenticity directly to Experian I do not have to hunt down each and every Creditor and fight with them directly, I am entitled by law to dispute accounts directly through Experian and when they fail to be able to provide debt validation documentation that information must be deleted immediately and permanently. Disputed issues remaining : # 1. US DEPT EDXXXX is an unrecognized account that I do not believe belongs to me. The information regarding this account is inconsistent across the three bureaus and does not make sense. Experian is reporting the account narrative as, " Paid, was a collection account, insurance claim or government claim or was terminated for default. '' That lists four possibilities of what it is, NOT a verified explanation of what it is. They are admitting right there in that statement they DO NOT KNOW what it is or what happened. I want this account deleted off of my report. There is no signed promissory note proving this account to be mine. There is no proof this account is mine. There is no clear explanation of what it is, it was NOT verified. I want it removed. # XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX ; needs to be removed. # XXXX. XXXX XXXX XXXX # XXXX MT, XXXX Address ID # XXXX needs to be removed ( was reported by a creditor already found to be invalid called XXXX XXXX XXXX ). # XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Experian is reporting this post office box for over ten years as my residential address they claim that is being reported by XXXX and XXXX  student loan servicers. It is not. That is not the address they have, or have had, on file for me. I have provided proof directly from them of what my address of record with them is. Nonetheless, I am also allowed to dispute inaccurate information and shouldn't have to provide proof that an address is not mine. # 5 Inquiry from XXXX is unknown to me and must be deleted. If refuse to delete, must provide to me documentation of my authorization for the credit pull. # XXXX. XXXX is unknown to me and must be deleted. If refuse to delete, must provide to me documentation of my authorization for the credit pull. Section 609 of the FCRA allows consumers to request that verification documentation be provided to them by the bureaus to validate any information they dispute in their consumer reports. Do not violate my rights again. Do not give me any additional lectures on credit reports or the dispute process. I have already been advised in these matters by multiple attorneys.

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