Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Greetings as of XX/XX/year>2024, XXXX has responded with a copy of my report with the same incorrect information that has been documented, written, and even called upon on how it is inaccurate. When I reached out on XX/XX/scrub>/2024, it was due to the company not verifying with the creditor that the information is correct. I requested in writing a copy of how the company was able to verify. Was it sent? Of course not, because there was nothing to verify even after I, myself reached out to the creditor and they were unable to verify. 

XXXX proceeded to send me a copy of my own report that I can see online. All accounts have incorrect account numbers and some are the same as other individuals. I could not share their reports with them but it is confidential. The following accounts using the same accounts number are XXXX. The account number stated on the report sent from them is # XXXX for multiple accounts under this name. I mailed in documentation confirming the account number with a smaller amount of numbers and the complete account number sent from the company through email. 

There is a repossession posted from XXXX on my account with the incorrect balance because the car has yet to be sold. The company stated the vehicle will be sold XX/XX/scrub>/2024, and it has not. I have not even received the auto deficiency upon requesting through mail. The auction still has the car in their possession and has not sold the car for anything. The balance was decreased by {$12000.00} stating the car was sold when it wasn't. I have yet to receive any auto deficiency letter confirming the car was sold after requesting from the creditor. The account number provided from XXXX is # XXXX. I sent a bill that I received from XXXX and sent it in confirming the account number was different. This is another example on how XXXX does not verify information. The report they sent still shows the incorrect account number. When I speak with them, they say they will get it fixed, put you on hold and decline the call. 

Another account with the incorrect information is XXXX XXXX. I think I would remember if I took out a private student loan. However, the account number is incorrect as well and does not confirm the account is mine. The account number given for XXXX XXXX on all reports are inaccurately reported as # XXXX and # XXXX. I provided documentation of the correct account number through certified mail and all three reports stated they were able to verify this information. That is impossible, especially after what was given from them. When contacting XXXX XXXX, they are confused on the debt and notified on how the information is inaccurate. This is completely unacceptable and by law, XXXX, Experian, and XXXX needs to be held accountable. They proved my point on how the information is inaccurate and they could not verify, yet they will not remove these items from my report. Experian stated that they do not " return to sender '' by mail and did not provide documentation on how they were able to verify the debt because they could not. I requested information from the creditor and they removed the information from the credit bureau, but the credit bureaus did not delete the reports. My score goes down when I am checking for reasoning. XXXX does not respond at all and prefers you to do dispute online, even though they are providing information on when they verified debt. 

This will be my third attempt of sending the same documents via certified mail and spending more money that I should not have to. When the debt is NOT validated or reported inaccurately, then it has to be deleted by law. With documentation, only XXXX account was processed and deleted. The XXXX identified here remained the same, and it is the same situation as the first. Please help me get these items deleted from my report. Everything has been done by mail and they do not send documentation once the account has been verified. They do not want to be held accountable and is making it harder for my living conditions, applying for assistance and more. What about me as the consumer who trust they will prevent inaccurate reporting? What about the Fair Credit Reporting Act Laws? Are the Credit Bureaus not updated on them?