Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: OH
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 would like to file a complaint regarding an account Experian is reporting. I have requested information, validation and method of verification multiple times with them but to nothing has been done. I have not received any response to my mailing from XX/XX/2020. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told Experian that I challenge the accuracy and reporting of this item. Experian is reporting that XXXX XXXX ( XXXX ) XXXX XXXX is {$2700.00}, but the Balance reports as {$3900.00}, which is larger than the XXXX XXXX reporting on the account. Experian replied updating the item but validating this inaccurate information as accurate. When Experian verified the account as accurate per the Fair Credit Reporting Act, I requested their method of verification showing how they validated the debt as accurate, documentation, contact information of the individuals they spoke with and all relevant documentation. Experian did not respond in the 15 days required by the Fair Credit reporting Act to respond to requests for their method of verification. Then on XX/XX/2020 I filed a complaint here with CFPB stating that they had not responded to my method of verification letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, with the most outrageous response saying " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' This was a blatant refusal to comply with the Fair Credit Reporting Act and a stall tactic. Experian can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act since they have provided no proof they actually verified the account. As I stated I would in my initial letter to Experian, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Experian, my method of verification request to Experian, the certified mailing receipt, and my CFPB complaint where Experian tried to stall saying Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request and my Highlighted Credit Report showing Experian Reporting the XXXX XXXX as {$2700.00} while reporting the balance as {$3900.00}.

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