Consumer complaint received 2022-02-14
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:
Additional Relevant Information : I, XXXX XXXX, have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become increasingly clear that Experian is being willfully negligent in rectifying my affairs. I have sent numerous dispute letters and numerous CFPB complaints that the information being reported and furnished on my credit file is INACCURATE and UNVERIFIED. As per my latest dispute via CFPB, disputing XXXX accounts, Experian responded on XX/XX/XXXX verbatim Regarding XXXX of the accounts, according to our records, the disputed information does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system. As of today, XX/XX/XXXX I have not received any mailed correspondence from Experian. As of my latest credit report dated XX/XX/XXXX, XXXX out of XXXX of the inaccurate/unverified accounts is still furnished on my report. Experian has Broken the Law and Violated my consumer rights under the Fair Credit Reporting Act. Experian has failed to properly reinvestigate and delete the disputed items from my credit file resulting in injury not limited to being declined for new credit, XXXX XXXX XXXX XXXXXXXX. Listed below is the account with inaccurate/unverified information : Account : XXXX/ Account XXXX Balance : {$8600.00} See attached documents that support inaccuracy and unverified information dispute : Exhibit A - Notice from Debt Collector Exhibit B - XXXX XXXX statement Exhibit C - XXXX XXXX statement Exhibit D - XXXX XXXX statement Explanation of Documents Experian furnishes the account reflecting an alleged balance still owed to XXXX. As per Exhibit A document the alleged debt has been sold to a debt collector and no longer belongs to XXXX. This document is date XXXX XXXX. 
Experian furnishes the account was 90 days late in XX/XX/XXXX. As per Exhibit B XXXX statement document account was 60 days late in XX/XX/XXXX. 
Experian furnishes the account was 120 days late in XX/XX/XXXX. As per Exhibit C XXXX statement document account was 90 days late in XX/XX/XXXX On my latest credit report dated XX/XX/XXXX, Experian furnishes Balance as {$8.00}. As per Exhibit D XXXX statement document and Exhibit A document the account balance is listed as {$8600.00}. 
Pursuant to 15 U.S.C 1681 ( b ) ( 2 ) I, XXXX XXXX, never gave Experian any written instruction to furnish information on my consumer report, No consent is identity theft. 
Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate. Experian negligently allowing inaccuracies and unauthorized information to be furnished on my consumer reports has caused me to lose confidence in the banking system. 
Pursuant to 15 U.S.C 1681 My first express resolution is to be compensated for all violations as well as for injury in the form of a check to my recent address listed on my credit file within 10 days. I demand that all disputed accounts be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. I am requesting no reinsertion of the alleged debt once it has been removed.

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