Consumer complaint received 2022-01-14
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:
Experian is reporting a false, inaccurate, and unverifiable on my credit report. I have written to them many, many times over the past few years regarding this account. The account they are reporting on my credit is XXXX Account number XXXX XXXX Though this information is proven to be inaccurate and unverifiable, even when I've filed disputes, the investigation completed by Experian has not removed the account from my credit. Under the FCRA and laws by the FDCPA, this account MUST be deleted immediately. I wrote to the original creditor asking for any documents they may have on my account to verify the information that Experian is reporting, and the account numbers are TOTALLY different. Based on the verification documents I received from the original creditor, it appears that they even mailed these billing statements to addresses I've never resided at. The account number provided to me in the verification documents sent by XXXX XXXX is XXXX. As you can see, that is a TOTALLY different account number than what Experian has been reporting on my credit. Under the FCRA, this account MUST BE DELETED IMMEDIATELY! I am not sure why it is so difficult for experian to get this right! 

You will see in the attached files that the address which XXXX  sent the requested verification to is completely different than the account which is being reported on my credit. Please forgive the fact that their cover letter is wrinkled and dated from XX/XX/2021. I requested this verification months ago, and I have been very unsure on how to proceed because once I got this document, I was SURE that my rights are being violated. I have contemplated reaching out to an attorney as I've sent this SAME information to the credit bureaus several times, and they continue to report this false, inaccurate account on my credit. There are entirely too many discrepancies in this account for it to be accurate or verifiable, and at this point, it MUST be deleted from all of the credit bureaus. Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports I, XXXX XXXX, give NO consent for this account to be reported by any of the credit bureaus. The federal law is listed below : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written instructions was sent, stating that because of the nature of how inaccurate and false these accounts are, and under the above stated law, that this account be removed. I sent Experian a written notice regarding my instructions to remove this account, and cited the law, on XX/XX/2021 by certified mail. Below I listed the tracking numbers so that you can see the exact date which these letters with my written instructions was sent to Experian. I've also included the certified mail reciept in the attachments. I am perplexed as to why this is still on my credit report. Tracking number for certified mail : XXXX XXXX XXXX XXXX XXXX My rights are being violated by this account being on my credit. If it is possible, I would like to sue experian for {$3000.00} for not removing this account after receiving my written notices under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports.

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