Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX Dear XXXX, XXXX  and Experian, I am writing to dispute the following information that appears on my XXXX, XXXX and Experian credit reports from XX/XX/XXXX : XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I previously disputed this account and it was never verified by the creditor but its still on my credit report. I sent a letter to you on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website. I requested that you send me 1. Copy of the contract that included my signature.

2. Copy of the investigations results.

3. Proof of validation.

4. Full updated copy of my credit report As of todays date, XX/XX/XXXX you have done neither! You have not sent any of the requested information. Nor have you sent me a new updated copy of my credit report. The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to my requests within the original 30 day timeframe. You have NOT verified any information listed regarding this account. There are several discrepancies and I am demanding that it is deleted TODAY or you will be hearing from my attorney. I have included a 3-in-1 credit reported that was pulled today on XX/XX/XXXX. If you review page 13 of 35 you will see the following : XXXX Acct # : XXXX High Balance being reported for all 3 bureaus : {$2400.00} Last Verified by XXXX  on XX/XX/XXXX Experian -- XXXX -- XXXX  and Experian were sent the exact same letters and have never responded and never investigated! 
Date of Last Activity : XXXX  XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Date Reported : XXXX  XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Date Opened : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX Balance Owed : XXXX {$0.00} Experian {$0.00} XXXX  {$2400.00} Closed Date : XXXX XXXX Experian -- XXXX  -- Account Rating : XXXX  Derogatory Experian Derogatory XXXX  Open Account Dispute Status : XXXX  Account not disputed Experian Account not disputed XXXX  Account disputed Creditor Type : XXXX Utilities and Fuel Wireless Experian Telephone Service Providers XXXX  Telephone Companies Account Status : XXXX  Closed Experian Closed XXXX  Open Payment Status : XXXX Wage Earner Plan Experian Wage Earner Plan XXXX  Unknown Creditor Remarks : XXXX  Chapter XXXX ; dispute of account information Unpaid balance reported as a loss by credit grantor. Experian Debt included in or discharged through Bankruptcy Chapter XXXX. XXXX Consumer disputes - reinvestigation in progress Consumer disputes this account information All 3 bureaus are reporting the same account but all of the information is different on each report! All of the information is inaccurate! None of the information is factual! Delete this account for consistent inaccuracies, false reporting and failure to provide a proper and timely investigation. Thank you so much in advance for your immediate attention to this matter!

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