Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
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 disputed 3 Charge off accounts and 1 collection accounts on multiple occasions with all three credit bureaus and even with the CFPB and they still refuse to do a proper investigation. I have three accounts with multiple inaccuracies and even after disputing they still come back verified. So I proceeded to download my complete credit report and physically mark out the inaccuracies as I am entitled to a 100 % ACCURATE credit report at all times per FCRA and have found multiple violations under FCRA which I will be seeking legal reparations as they have prevented be from obtaining credit. I also have 1 Collection account from XXXX XXXX where they allege I owe a debt but have been unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. I will be listing the three accounts and their violations. 

XXXX XXXX XXXX ( {$530.00} ) Incorrect payment status Inconsistent Delinquency reporting Inconsistent and Inaccurate balance reporting Inconsistent payment history reporting ( payment chart and listed dates do not match ) Inconsistent and inaccurate date of last activity Missing Terms Missing high balance Account Comments/ Status inconsistent XXXX XXXX  ( {$770.00} ) Last updated Dates : inconsistent Inaccurate and inconsistent Payment status Delinquencies : Missing or inaccurate Balance reported Inconsistent or Missing 2 Year Payment Chart : inconsistent reporting Older Derogatory events and 2 year payment history : dates do not match/ Missing 30/60 late payment reporting : inaccurate/missing Close dates : inconsistent or missing Date of last activity : is inaccurate or missing Terms : are inconsistent or missing High balance : inconsistent or missing XXXX Bank ( {$260.00} ) Payment status : inaccurate and inconsistent Delinquencies : Inconsistent or missing Balance : inconsistent or missing 2 Year Payment Chart : inconsistent and multiple inaccuracies 30/60 Day late payment reporting : Missing 90 day late payment reporting : inaccurate and missing Close Date : inaccurate and missing Last Activity : Inconsistent and missing Terms : inconsistent and missing Scheduled Payment : inconsistent and missing High Balance : Inconsistent and Missing Loan Type : In consistent and inaccurate Comments : Inconsistent/ Inaccurate XXXX XXXX ( {$2200.00} ) unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. 

All above listed are causing inaccuracies and violations under FCRA USC 15 1681 Failure to Correct violations will result in litigation. 
All evidence and complaints have been forwarded to the Attorney General of Texas for investigation.

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