Consumer complaint received 2022-11-16
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 been disputing XXXX accounts with experian in regards to inaccurate information since XX/XX/2022, on these XXXX particular accounts the statuses read that the creditor could not locate the individual. XX/XX/2022 experian had completed there investigation and verified and updated these XXXX accounts. XX/XX/2022 I wrote experian excersing my rights by requesting experians description of there reinvestigation procedures. XX/XX/2022 experian received my dispute. XX/XX/2022 experian had provided results updating this account but the status still reflected that the creditor could not locate the individual. XX/XX/2022 I wrote experian putting them on notice of not only additional errors but specifying the status that reflects the creditor could not locate the individual. XX/XX/2022 experian supplied me with results again updating the accounts but both accounts STILL reflect that the creditor could not locate individual. 

im tired of going back and fourth with experians non compliance procedures and now im bringing these blatant errors to your attention in hopes that experian will comply under FCRA regulations. to my understanding if these accounts report that the creditor can not locate individual then how is it possible to be reporting on my consumer report? how is it possible that experian can continue to report items that are obviously not under my name. in addition to this on going error that experian refuses to investigate thoroughly, these derogatory accounts do not report a On Record Until. such field determines the 7 year runnning of reporting period with respect to ANY delinquent account as described in 15 u.s.c 1681c ( c ) ( 1 ) and these accounts do report as delinquent. both of these accounts report a higher balance than the original dollar amount as well. these accounts report as a collection in the payment history but the Account Types report as a Education. to my understanding it is unlawful for a debt buyer to be a creditor and the way these accounts are reporting misrepresents them as a creditor on my file. both of these collection accounts report a past due dollar amount and payment history which is also a violation. at this point I dont know what kind of accounts these are. are they collections? are they original creditors? my report does not specify correct information for my viewing. 

lastly, my last results were generated XX/XX/2022 but both of these accounts report the Balance Updated and Status reflects information from XX/XX/2022 on my results, furthermore proving that experian is not following reasonable proper procedures to assure my report is of maximum possible accuracy before preparing me a new report violating FCRA compliance procedures 15 u.s.c 1681e ( b ) in this specific law it species " information concerning the individual about whom the report relates '' well according to the statuses this creditor obviously cant locate information under my name so why are they reporting information on my consumer file? these items remain to be INACCURATE AFTER the completion of there investigation on numerous occasions and fail to fix errors and apparently cant be verified because the creditor cant locate any information, experian is in non compliance for failing to delete this unverifiable, inaccurate items from my consumer file violating 15 u.s.c 1681i ( a ) ( 5 ) ( A ) ( i ). experian dont care about federal regulations. I did not give experian written instruction nor permissible purpose permission to even report these inaccurate items on my private consumer file anyway putting them in violation 15 u.s.c 1681b ( a ) ( 2 ), if they disagree, experian needs to provide the signed by myself authorization giving them permission to report on my file for my records. experian is violating my right to privacy and causing many damages to my credibility, character, credit worthiness and general reputation by reporting such invalid information. I have not received any information in regards to these accounts from the data furnisher either after I had already requested experians investigative procedures also putting experian in violation 15 u.s.c 1681i ( a ) ( 7 ). I believe experian just provided me results to think they could be in compliance by responding within the 15 days after receiving my request, but it is not FCRA compliance if no information was expressed nor provided to me as I have requested.

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