Consumer complaint received 2022-09-20
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. 

XXXX XXXX XXXX  Account Number : XXXX This account was placed on my credit report without my permission I didn't give written instruction placing this account on my report that a violation of my consumer rights. 

XXXX Account Number : XXXX The errors I still see is the balance of XXXX on this account is still reflecting on a closed account that is a clear violation of the FCRA law, the date of last activity is inconsistent with the bureaus of XXXX XXXX and XXXX its not way this was verified as accurate and verified which false statements are being applied to my account after its been reviewed which another violation of my rights. 

XXXX XXXX XXXX  # XXXX This account was verified is a joke at this point this account still reflects open in one bureau and closed on another also the date of last activity is incorrect and again your stated this account was verified, putting false statements on my report is a complete violation of the FCRA rights I have or at thought I had. 

XXXX XXXX XXXX XXXX XXXX Looking at my report this account is still reflecting an open account which we both know is closed and with it being violation. but this account was verified right? And to top it off this closed account is still reflection a balance. 

Please See Attachments!!!!!!! 

Please Delete Immediately 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 in XXXX XXXX  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