Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my credit report noticed collection accounts from XXXX XXXX XXXX XXXX. I requested validation from the company and Experian. I have not received anything form of communication from XXXX XXXX XXXX. Experian is the furnisher of my credit report. As a standard Experian is required to properly validate accounts they are reporting on my credit file. I requested to receive original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Experian is violating my rights and the law. The things Experian is doing such as reporting an account that has NOT been validated, changing the dates on accounts, reporting collections as open and past due falsely represents as new collections damaging my credit file and credit worthiness. They are attempting to prolong the statue of limitations when making changing appearing as updates. Experian is profiting from deragatory accounts that should not be on my credit report. When I originally started disputing these accounts the amounts and dates have been changed several times. I informed Experian of this when I started disputing the accounts in XXXX. I thought they would investigate throughly as their website claims. I was wrong after I learned disputes sent to Experian is sent through a machine and not investigated and they continued to not update me with things as requested such as ... ..What certified documents were reviewed to conclude your investigation? .Please advise me what information determined this is being reporting legally? I would like a copy of all the information supplied by this creditor proving I owe them money? Experian is required to provide information used for their investigation. Experian is required to do so by FCRA 611 ( a ) ( 7 ). When Experian continued to ignore my requests I started to save letters I sent to them and keep record. This year XXXX I sent letters to Experian and XXXX XXXX XXXX XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX by mail. After each letter sent I did not receive a response from XXXX XXXX XXXX. After each letter I did receive response from Experian. Experian response to letters sent XXXX and XX/XX/XXXX accounts verified by Experian. I STILL have not receive validation of the accounts or documents requested from Experian or XXXX XXXX XXXX. This account has NOT been validated I demand the account to be deleted immediately. This company has done a soft pull on my credit report to receive my address. The negligence of Experian has cost me more in interest and has damaged by credit score on multiple credit scoring models. The way they are taking advantage of me must stop. It's unfair they can do business in this way. They are violating me my damaging my credit by their actions.The account is has reported open and past due a collection account can be neither. They are continuing to violate Federal Law. Please inform them of this and to permanently delete this account. I have filed a complaint with the FTC and the attorney general. This is beyond ridiculous! I'm the one being violated. I am prepared to seek counsel if this isn't handled in a timely manner.

Company response to consumer: Closed with explanation