Consumer complaint received 2024-09-04 00:00:00
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.
State: GA

Complaint narrative:
hello my name is XXXX XXXX EXPERIAN INVESTIGATED MY DIPSUTES IN ONLY 1 BUSINESS DAYS? HOW IS THAT POSSIBLE? DID THEY ONLY USE Automated Consumer Dispute Verification ( ACDV ) system AGAIN?? WHERE ARE THE REQUESTED WRITTEN DISPUTE RESULTS? WHERE IS THE PROOF OF THE PERSON THEY VERFIED THE DISPUTE WITH? WHERE IS ALL THE DOCUMENTATION I REQUESTED THAT EXPERIAN USED TO VERIFY MY DISPUTE? EXPERIAN CLAIMS MY DISPUTED ACCOUNT WAS VERFIED AND UPDATED? HOW? NOTHING CHANGED!! PLEASE SEE THE BELOW COPIED INFORMATION FROM EXPERIAN DISPUTE CENTER THE " STATUS UPDATED '' DATE IS STILL SHOWINGXXXX XXXX?? A CLEAR SIGN THAT NO INVESTIGATION WAS DONE, ONLY XXXX XXXX WAS USED AND CHARGED OFF : Account info Account name XXXX XXXX AccouNT NUMBER XXXX Account type Credit card Date opened XXXX Closed. {$1800.00} CHARGED OFF. Account info Account name XXXX XXXX AccouNT NUMBER XXXX Account type Credit card Date opened XXXX Closed. $ {$1500.00} CHARGED OFF. PLEASE SEE BELOW HOW FAST MY DISPUTE WAS " SUPPOSEDLY VERIFIED '' : The dispute for the account with XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. Source : Experian Date Submitted XXXX Estimated Resolution Date : XX/XX/XXXX Report Number XXXX Account Number XXXX The dispute for the account with XXXX XXXX that starts with XXXX has been updated. Source : Experian Date Submitted XXXX Report Number:XXXX Account Number:XXXX  Company : XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALSO ISNT ANY OF MY ADDRESSES LISTED ON MY EXPERIAN CREDIT REPORT I NEVER LIVED THERE. SO MANY VIOLATIONS OF MY DISPUTES FOR THE LAST 8 MONTHS. THIS HAS TO STOP!!! EXPERIAN IS CAUSING ME TO STILL BE UNEMPLOYED AND I AM SUFFERING FINANCIAL HARDSHIP BECAUSE OF EXPERIAN IS INACCURATE REPORTING! AND NOW I CANT USE MY CREDIT TO GET ME ANY KIDS A HOUSE BECAUSE THIS IS EFFECTING MY ABILITY TO USE MY CREDIT I GOT DENIED FOR A HOME. IM SO SAD CANT GET MY KIDS INTO A SAFE ENVIRMOENT. EXPERIAN IS VIOLATING FCRA Section 623 ( 5 ) ( A ) BECAUSE EXPERIAN RESPONDED TO MY DIPSUTE AGAIN AND AGAIN BY ILLEGALLY RE-AGING THIS INVALID AND INACCUARTE DISPUTED ACCOUNT : XXXX XXXX EXPERIAN INCORRECTLY AND ILLEGALLY REPORTED AGAIN TODAY AS WELL I EVEN PULLED MY CREDIT AGAIN FROM XXXX XXXX XXXX XXXX AND EXPERIAN WEBSITE THAT THIS ABOVE ACCOUNT WAS CHARGED OFF, THEY STATED ON MY CREDIT REPORT THAT THE CHARGE OFF DATE WAS XXXX XXXX SO WHY DID THEY REPORT THIS INCORRECT CHARGE OFF STATUS AGAIN TODAY XX/XX/XXXX WHEN IT WAS SUPPOSEDLY CHARGED OFF XXXX XXXX? THIS IS THE DIRECT REPSONSE AND ACTION EXPERIAN GIVES ME TO MY ORIGINAL DISPUTE FROM XX/XX/XXXX THEY SIMPLY REPORT THE SAME INCORRECT ACCOUNT STATUS OVER AND OVER, INSTEAD OF CONDUCTING A REQUIRED INDEPENDENT INVESTIGATION? WHY DOES MY CREDIT REPORT STILL SHOWS " Date updated '' - XX/XX/XXXX REPORT NUMBER XXXX? XXXX NOTHING HAS BEEN INVESTIGATED? SO MANY FCRA VIOLATIONS BY EXPERIAN- THIS NEEDS TO STOP-ASAP BEOFORE I FILE LIGATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation