Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint with CFPB and next to a civil suit against Experian concerning an improper investigation of the validity of my Experian credit report. I contacted Experian via the Experian website, via certified mail on XX/XX/year>, XX/XX/year> XX/XX/year> about two accounts from XXXX XXXXXXXX that did not belong to me which was considered inaccurate information on my Experian Credit Report. Each time, Experian reported on my credit report a statement account previously in dispute-investigation complete, verified and updated reported by data furnisher. I filed a formal complaint against Experian on XX/XX/year> CFPBcase # XXXX. This case specifically provided documentation to Experian about XXXX XXXX XXXX accounts ( account ending in XXXX and XXXX ). The documentation came directly from XXXX XXXX, specifically stating that XXXX XXXX did not know if an application was taken over the phone or the Internet and that they couldnt provide me- the consumer- evidence of supporting documentation to validate the accounts belonging to me. Also, XXXX XXXX provided a letter stating allegedly received an application via the internet and listed dates and amounts in the letter that do not match what has been recorded on my Experian credit report ( See attached screenshot of credit report ). In addition, XXXX XXXX allegedly stated there was an account opened with a valid contract but could not provide a paper copy to send me bearing my signature. 
On XX/XX/year>, Experian provided a report number # XXXX ( supporting screenshot documents attached ) showing that they removed/deleted the XXXX XXXX account # XXXX for {$1900.00}. Yet, on XX/XX/year>, Experian sent me an Experian report # XXXX, stating XXXX XXXX account # XXXX for {$810.00} has been verified and updated. Making a statement on my report this information you disputed has been verified as accurate. In addition, on my credit report, under the about dispute results ( see attachment ) Experian clearly states, Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. The experian verification process is inaccurate and inconsistent. This clearly shows Experian did not conduct a thorough investigation with the data furnisherXXXX XXXXXXXX. If so, in the CFPB case # XXXX with supporting documents of both accounts, Experian would have deleted both and not just one account from XXXX XXXX concluded if they would have scroll down the document to see the second account letter.The data furnisher, which is XXXX XXXXXXXX, specifically stated in BOTH letters, that the accounts could not validate ( supporting documents attached ). According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX was not able to validate the account. This is questionable as to why Experian would state under their investigation that the information you disputed has been verified as accurate. How can Experian say this account is accurate when one, the creditorXXXX XXXX can not validate the account belonging to me by providing me with copies of any documentation associated with this account bearing my signature? And two, there are inconsistencies in the payment history on the letter than whats reported on my Experian Credit report. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, Experian has violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the credit report. This type of action that Experian is demonstrating towards me, can be viewed as discriminatory practice and again defamation of character.