Consumer complaint received 2024-06-10
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. (VA)

Details of the Issue : XXXX Date : On XX/XX/2024, I reviewed my credit report and discovered a collection account reported by XXXX XXXX XXXX 

Discrepancies Identified : Inaccurate Name : The collection account is being reported under a name that does not match mine. This discrepancy undermines the accuracy and validity of the debt being reported and violates the FCRA 's requirement for accurate reporting. 

Incorrect Address : The address associated with the collection account in the letter from XXXX XXXX XXXX XXXX does not correspond to the address reported on my credit report. This inconsistency further questions the accuracy of the reported debt and violates the FCRA 's mandate for accurate reporting. 

Inaccurate Reporting Date : The date reported for this collection account is inaccurate and does not reflect the actual date when the account was reported. This discrepancy violates the FCRA 's requirement for accurate reporting of information on credit reports. 

Phone Number Discrepancy : There is a discrepancy in the phone number associated with the collection account. The phone number provided in the collection letter differs from the phone number associated with my account, further undermining the accuracy of the reported information. 

Previous Dispute : I submitted a dispute to Experian regarding the inaccuracies in the collection account. Despite this, Experian concluded the account as accurate without addressing the discrepancies mentioned. 

XXXX XXXX : I received a collection letter from XXXX XXXX XXXX XXXX regarding the same debt. The letter provided conflicting information compared to what is reported on my credit report. 

Impact : These inaccuracies have negatively impacted my creditworthiness and have caused significant stress and inconvenience. The discrepancies in name, address, reporting date, and phone number undermine the integrity of my credit report. 

Actions Taken : Contacted XXXX XXXX XXXX XXXX : I contacted XXXX XXXX XXXX XXXX by phone to request the original contract and proof of the debt. They failed to provide the necessary documentation. 

Submitted Dispute to Experian : I sent a formal dispute letter to Experian outlining the discrepancies and requesting the removal of the inaccurate collection account from my credit report. Experian did not correct the inaccuracies and maintained that the account was accurate. 
tracking number : XXXX law being violated 15 USC 1681e ( b ) - Accuracy of the report : This section mandates that consumer reporting agencies ( CRAs ) must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i - Procedure in case of disputed accuracy : ( a ) Reinvestigations : When a consumer disputes the accuracy of information in their file, the CRA must reinvestigate and record the current status of the information or delete it if it can not be verified within a reasonable period. 
( XXXX ) Treatment of inaccurate or unverifiable information : If an item of information is found to be inaccurate or can not be verified, the CRA must promptly delete the information. 
15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty to provide accurate information : Entities that furnish information to CRAs must not provide information that they know or have reasonable cause to believe is inaccurate. 
( b ) Duties upon notice of dispute : Upon receiving notice of a dispute from a CRA, the furnisher must investigate and report the results back to the CRA.