Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: PA
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 want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

Account Name : XXXX  XXXX XXXX Errors Found : This account only shows a " Date of last activity '' on the XXXX XXXX  but not one on Experian and this account was verified as accurate which clearly putting false and incorrect statement on my credit report which a direct violation of the FCRA and my consumer rights and I know its is no possible way the accounts were opened on 2 different days. 
Action : Please Delete Immediately Account Name : XXXX XXXX Account Number : XXXX Errors Found : The Date of the last activity on this account is incorrect Action : Please Delete Immediately, so how were these items verified and show as being accurate when there clearly not this is clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX XXXX Account Number : XXXX This account has the wrong Date of Last Activity on it and The balance on this account wrong, this account was added on to my credit report with out my written consent and that's clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX Account # XXXX Errors : This account is showing the wrong date of last activity on the account and the balance still reporting my credit report, and this account was added on the my credit file without my permission or written consent and I know thats a violation of the FCRA and my Consumer rights, and to top it off this was verified as accurate and I'm not seeing how that is remotely possible if all 3 credit bureaus say something different. 


I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent previously I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.

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