Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered multiple disputes with experian since XXXX and have not gotten an update. I have attached the direct letter I sent in which started the specific violations of the fair credit act law and they told me my account was updated but it was NOT. I have uploaded the credit report and circled the violations. 

The collection account XXXX XXXX XXXX account number XXXX on my most recent credit report ( XX/XX/XXXX ) has inaccurate and incomplete information. I have multiple dashes in areas where information should be Inputted which makes this report incomplete. Specifically what company was this debt sold too? The spot has a dash - But no correct answer.. The payment history is also INACCURATE it says the account was opened in XX/XX/XXXX but according to my credit report generated by Experian there was not any payment history reported until XX/XX/XXXX. As well XX/XX/XXXX having no data XXXX. Which makes this payment history not only INACCURATE BUT ALSO INCOMPLETE ( Proof is attached ). The address linked to this account was XXXX XXXX XXXX. Which I proved was inaccurate and the address was removed on XX/XX/XXXX credit report but the collection account was NOT removed although they provided in inaccurate address that never belonged to me. I demanded Experian to provide me with PROOF from XXXX XXXX XXXX Bearing my signature, photo ID or proof of address and NONE was provided although I provided PROOF that this address is NOT mine! THIS ACCOUNT NEEDS TO BE REMOVED! 

THIS A COMPLETE VIOLATION OF FEDERAL LAWS THAT ARE LISTED BELOW [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

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