Consumer complaint received 2021-12-10
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:
Experian Credit Bureau XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX, Florida XX/XX/XXXX I would like to file some complaints against Experian Credit Bureau. 
1. On XX/XX/XXXX, Experian got from a request from me for there method of verification as it pertains to a XXXX XXXXXXXX XXXX account listed on my credit report. The account number for that account is XXXX. Its been more than 5months since that request was made and I have not gotten that Method of Verification. All I have gotten from Experian are letters stating that the account is reporting accurately on my credit report, and they will not investigate the matter further and this is a clear violation of my rights under the Fair Credit Reporting Act. The law states that I have a right to request this information and if the Credit Bureau is unable to provide this information, then the account should be deleted from the credit report. I am currently speaking to a lawyer about this. 
2. On the XXXX XXXXXXXX XXXX account listed on my credit report it says that the address associated with this account has an INDENTIFICATION NUMBER AND THAT NUMBER IS XXXX. Now there is no such address listed on my credit report with such an identification number. My address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and this address has a different identification number. So, who is that address and identification number associated with as its not associated with me, and that address with that identification is not listed on my credit report. 
3. 
On my Experian Credit Report, it says that the account was paid in full with a zero-dollar balance and that the last payment was received XX/XX/XXXX. So, if the account was paid in full on the XX/XX/XXXX as according to the credit report and the account was in good standing in XX/XX/XXXX then how can it be that Experian is reporting that the account went into a charged off status in XX/XX/XXXX. There is incorrect account and payment information. There is also missing payment and account information and this makes the credit incomplete and if a credit report IS INCOMPLTE, THEN THE FAIR CREDIT ACT SAYS THAT IT SHOULD BE DELETED. This is the account that Experian says that is reporting accurately on my credit report and this is totally false. 
4. Based of Experian erroneous reporting of this matter on my credit report has prevented me from getting funding to getting my business off the ground. I have been disputing this account for months now showing the various inaccuracies as it pertains to this account reporting on my credit report. I am tired of filing disputes with Experian, and they never take me seriously. So, if they continue to claim that this account is reporting accurately on my credit report and or fail to provide me with proof that I am responsible for this account then I will ask my lawyer to proceed to take action against Experian as I am sick

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