Consumer complaint received 2024-03-13
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. (TN)

In XXXX of XXXX, I checked my credit report and found a XXXX XXXX  card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX I had no knowledge of this account, and the two disputes on this account came back meets requirements for the fair debt collection practices act. Twice " account meets requirements for the fair debt collection practices act. '' Meanwhile the XXXX card has reported the account Charges off every month since XXXX of XXXX, extending the time the account would remain on my credit report. I never had a card open for 30 days and had no record of this account. All disputes listed this fact, and I have filed an FTC Identity Theft complaint for this account. Still, even when providing this document, the investigation found that the " account meets requirements for the Fair Debt Collection Practices Act. '' See 1682s-2 ( b ). They failed to conduct a reliable investigation. Federal code of Regulations Title 16 Chapter I Subchapter F Part 681 ( f ) Closing an existing covered account ; ( g ) Not attempting to collect on a covered account or not selling a covered account to a debt collector ; I content that by not taking action XXXX XXXX Violated section ( f ), and ( g ). of this section. They failed to conduct a reliable investigation. even after being provided the ID thief letter from the FTC. with a response " account meets requirements for the Fair Debt Collection Practices Act. '' Twice! and they violated 1682s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, and ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall- ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. XXXX XXXX was given an opportunity to provide me with full details of the debt violation and verification of my first dispute. Instead of mailing the documents as requested, the report stated, " account meets requirements for the Fair Debt Collection Practices Act. '' Leaving me with no option but to report this account, as XXXX XXXX was not providing the documents required to research this account further. There are additional issues like XX/XX/XXXX showing an increase of about XXXX dollars on an account that was closed on XX/XX/XXXX of XXXX if this reporting in the credit report is accurate. How can this be that such a large account was added after the account was closed? There are other weird issues with this account that remain unexplained or corrected.