Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to file this complaint because I have disputed with EXPERIAN numerous times with request to remove inaccurate account information because they have constantly verified inaccurate account information. XX/XX/XXXX, a dispute letter was mailed to EXPERIAN to have them reinvestigate and correct the inaccurate accounts I was attempting to dispute, and reinvestigated was not commenced till two weeks after EXPERIAN received my dispute letter. XX/XX/XXXX, a CFPB complaint XXXX was filed because EXPERIAN held my letter for XXXX weeks failing to investigate immediately when the letter was received violating 15 USC 1681i ( a ), on XX/XX/XXXX, the credit reporting agency was asked to remove the accounts for verifying inaccurate account information, they have violated 15 USC 1681i ( 5 ). Around XX/XX/XXXX, a letter was delivered to EXPERIAN regarding arbitration because I had grown quite tired of EXPERIAN 'S failure to correct in accurate information. EXPERIAN once again disputed all of the accounts as a reaction to the pre arbitration demand letter, so I patiently waited, and the inaccurate accounts returned verified again. As a result of that on XX/XX/XXXX, a complaint was filed with the CFPB XXXX alerting EXPERIAN that arbitration would be commenced because they failed to respond to the pre arbitration letter I sent them attempting to negotiate with them and because they voluntarily disputed the inaccurate accounts again and still verified them to be accurate while they remained unverifiable. After that complaint was filed, they voluntarily disputed the inaccurate accounts again and once again verified the inaccurate accounts in dispute and before I was about to officially initiate arbitration, I discovered that EXPERIAN removed their arbitration clause, so as a last resort I contacted my state attorney general, and they contacted EXPERIAN to dispute. EXPERIAN did not dispute the accounts, instead they sent me a letter requesting ID verification info. Now here I am currently. I am so fed up with this company and I don't have the time to sue them directly in court. Please help. EXPERIAN has been violating the Fair Credit Reporting Act and it is ruining my livelihood as a result of that failure. They have failed to correct inaccurate accounts in which I had disputed. In other words, to properly report information as verified, the consumer reporting agency must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 15 USC 1681i ( a ) must be met. EXPERIAN failed to correct the unverifiable account information, they failed to proceed in accordance with the requirements 15 USC 1681i ( 5 ). It has been more than 90 days and EXPERIAN still have not properly verified the information. See also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). I want the accounts deleted because there are too many FCRA violations, and they keep continuing to verify unverifiable inaccurate accounts.