Consumer complaint received 2022-10-13
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:
Regarding account XXXX. I have contacted the creditor directly with no success in having the false information/account removed. The company refuses to delete the account and cease reporting despite the fact that I have notified them that the information on the unsigned " contract '' they are using to tie the purported account to me, isn't mine. I even provided them with a police report as they requested to assist them in removing the account, which was ignored. In response to one of my first letters to the company, they agreed to " update '' information that I pointed out was factually impossible such as three entirely different dates of last activity being reported across the bureaus, but XXXX and/or the credit bureaus repeatedly fail to even " update '' any of the information, nor has a note been placed on my credit file saying that this account is disputed. Each bureau and creditor is required by law ( the FCRA ) to only report accurate, and verifiable information, which this account is not. At this point, I have saved copies of my credit report monthly for the last few months, and it is clear that the information being reported can not possibly be accurate since it is different across all of the bureaus, and all three continue to report different false information every month for well over the last 4 months. Particularly concerning is that the payment history is consistently reported to make the most recent payment history negative, and historical payment statuses are changed causing a significant impact on my credit score. I have mailed letters and filed disputes with XXXX/Experian/XXXX individually , but the disputes were closed without the proper required investigation. Most recently I sent a certified letter to Experian that was delivered on XX/XX/XXXX, to which I have gotten no response. I have attached copies of my credit report reflecting what is being reported over the last 4 months as well as a copy of the last letter that I sent and email strings with the company directly for examination and in support of my complaint. XXXX XXXX Account Number XXXX This account was originally disputed/reinvestigated in XXXX of XXXX and closed as verified on XX/XX/XXXX -Violation of FCRA 611 b for failure to place a notice/disclosure on the credit report to indicate the account was disputed within 30 days -Violation of FCRA 611 a 5 for failure to reinvestigate and update/delete false and inaccurate information This account was disputed/reinvestigated again in XXXX of XXXX, and closed as verified and updated on XX/XX/XXXX -Violation of FCRA 611 b for failure to place a notice/disclosure on the credit report to indicate the account was disputed within 30 days -Violation of FCRA 611 a 5 for failure to reinvestigate and update/delete false and inaccurate information This account was disputed directly with the furnisher via CFPB, OCC, XXXX and XXXX -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information The company refused to delete this account from my credit report, and has not even attempted to correct the information that they said they would in their response to my complaints despite the fact that I confirmed with them that the personal information and bank accounts that they are using as a basis to confirm that this debt belongs to me, are in fact, not mine, and notified them of the various inaccuracies and violations. I submitted to them a copy of a police report filed, and it was ignored. -Violations of FCRA 605 b and 623 a 6 for failure to block reporting, reinvestigate, and delete account from credit report The company continues to report vastly false and different information across all credit reporting bureaus, as well as false and inaccurate information from month to month across those bureaus. See attached copies of reports. At this point, it's clear that XXXX is in willful or negligent noncompliance of the FCRA and violating my rights. Please delete this account from reporting to my credit report immediately, with all credit reporting bureaus.

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