Consumer complaint received 2024-03-23
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)

FIRST DISPUTE : XX/XX/XXXX, I certified mailed ( article mail # XXXX XXXX XXXX XXXX XXXX ) a dispute to Experian to re-investigate inaccurate accounts and personal information on my credit report. I requested documentation/proof proving why Experian considers the accounts deliquent or derogatory. Experian replied back only that the accounts were UPDATED and VERIFIED. Nothing was modified. 

SECOND DISPUTE : XX/XX/XXXX, I submitted an online dispute with Experian regarding inaccuracies on my credit report. Experian replied back, stating the accounts are UPDATED and VERIFIED. 
Did not properly re-investigate accounts and act within proper timeline. 

I requested documentation/ proof proving why Experian considers the accounts to be deliquent or derogatory which is a violation of 15 U.S.C. 1681i ( 7 ) and 15 U.S.C. 1681i ( 5 ) Experian failed to comply with any documentation or proof violating : Federal Credit Reporting Act : 15 USC 1681i ( 7 ) and 15 USC 1681i ( 5 ) with the below accounts : XXXX XXXX XXXX ( ACCOUNT # XXXX ) Inaccuracies INCLUDE : Payment Amount {$0.00}, Date Reported showing XX/XX/XXXX, Account Type Installment, 2 Year Payment History XXXX, Date of Last Activity XX/XX/XXXX. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) Inaccuracies INCLUDE : Balance Owed {$1700.00}, High Balance {$0.00}, Payment Amount {$0.00}, Past Due Amount {$0.00}. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) Inaccuracies INCLUDE : Credit Limit {$0.00}, ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTORS INTERNAL COLLECTION DEPARTMENT , Account Type reporting Installment, Account Status Closed, Last Payment reporting XX/XX/XXXX, Date Opened XX/XX/XXXX. 

LAWS VIOLATED BY EXPERIAN. 
SOURCE : FAIR CREDT REPORTING ACT. 

XXXX. Procedure in case of disputed accuracy ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 USC 1681i ( 5 ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information. 

Experian refused to remove an unauthorized hard inquiry on my credit report. 

XXXX XXXX XXXX ( THIS INQUIRY IS UNAUTHORIZED AND SHOULD BE REMOVED. ) I followed Experian 's requirements including driver 's license and bank card statements. 

Experian refused to update my name and address with proof of my driver license and a credit card statement. My Experian credit report showed inaccurate addresses and different variations of my name that should be updated. The only address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX. The only name on my report should be : XXXX XXXX.