Consumer complaint received 2024-02-06
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. (IL)

I disputed several accounts on my credit bureaus that are not familiar to me or have wrong balances with Experian. They usually did not but wait a day or two and say the company said it was accurate then refuse to investigate. This is a clear breach of the FCRA. Both are breaking the FDCPA and FCRA the businesses and the credit reporting agencies! I have a RIGHT TO CORRECT AND ACCURATE INFORMATION BEING REPORTED ON MY CREDIT REPORTS!!!! Here is what they are showing after only a couple of days of my placing the dispute, then when I tried to dispute each again it kept throwing me out of the system and making me retype all, then when I just tried putting them through without typing all, it still would not let me dispute the false accounts and information! I have already provided a copy of the Student loan data file and my complaint to you and this is a follow-up on it too as XXXX did NOT fix my account and cancel the balance that should have already been canceled after 20 years of payments and my giving them my three employees with the government and proof of ten years of combined employment with the XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL and Dept of the Treasury IRS XXXX XXXX XXXX XXXX None of the other accounts are familiar to me so, of course, I asked for the original contract with my signature, plus all charges and statements for all months involved, as they have never been verified as my accounts, I have requested this from the businesses as well as through Experian and with the collection agencies, no one will provide this proof! I have been hacked XXXX times since XXXX including the IRS breach, the XXXXXXXX XXXX XXXX XXXX XXXX, the XXXX  XXXX XXXX, the XXXX Federal breach, the XXXX XXXX XXXX XXXX XXXX, the State of IL XXXX XXXX, etc. VERIFY THE XXXX ACCOUNTS NOW OR I WILL SUE ALL OF YOU AND I PROBABLY WILL ANYWAY BECAUSE IT IS PAST TIME BY LAW FOR YOU TO VERIFY YOU ARE REQUIRED TO VERIFY DEBT BEFORE YOU ATTEMPT TO COLLECT ON IT XXXX If the CFPB will not enforce the law I WILL!! I am not afraid of any of you!! I want these accounts all canceled and removed from my credit reports now or I will see you ALL in court and I will get LOTS of your money, large law firms LOVE cases like this and are happy to work on a contingency basis!!! The below XXXX item ( XXXX ) were not submitted and need your attention. 
Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at experian.com/upload. 

Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX XXXX XXXX account. {$1500.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at experian.com/upload. 

Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1000.00} as of XX/XX/XXXX XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at experian.com/upload. 

Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$7700.00} as of XX/XX/XXXX XXXX Account charged off. {$5600.00} written off. {$7700.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at experian.com/upload.

1 Item ( s ) successfully submitted Dispute successfully submitted Account name XXXX/DEPT OF XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$58000.00} as of XX/XX/XXXX Status Open/Never late. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX XXXX XXXX XXXX Inaccurate Additional information Should be XXXX balance. Under investigation by IL Attorney General, have paid on loans over XXXX  years, did not attend XXXX XXXX, withdrew right after I signed up as they raised tuition, XXXX XXXX  XXXX XXXX. 
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