Consumer complaint received 2024-02-13 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:
To Whom It May Concern, I am writing to bring to your attention a matter of utmost importance concerning a potential violation of the Fair Credit Reporting Act ( FCRA ), by these consumer reporting agencies. 

ACCOUNTS THAT ARE SUBJECT FOR REMOVALS : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX This account has been REMOVED from Experian & XXXX XXXX XXXX XX/XX/XXXX, and is no longer visible on my credit report. However, you still continue to furnish this invalid information. I demand that this account be DELETED immediately on my credit report. 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX On the Account Type - Detail : XXXX & Experian shows XXXX XXXX but XXXX tagged it as XXXX-INACCURATE REPORT!!! 

On the Date Opened : XXXX shows 2nd week of XXXX, yet Experian & XXXX XXXX XXXX XXXXINACCURATE REPORT!!! 

On the Date Last Active : XXXX XXXX Experian shows XXXX, but XXXX sais it's in XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : XXXX & Experian shows XXXX, however, XXXX says it's in XXXX.-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX This account has been REMOVED from Experian as of XX/XX/XXXX, and is no longer visible on my credit report. However, you continue to furnish this invalid information. 
On the Account Type - Detail : XXXX shows XXXX XXXX but XXXX tagged it as XXXX-INACCURATE REPORT!!! 

On the Date Opened : XXXX shows 2nd week of XXXX, yet XXXX 1st of XXXX-INACCURATE REPORT!!! 

On the Date Last Active : XXXX shows 2nd week of XXXX, but XXXX shows 1st week in XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : XXXX shows XXXX, however, XXXX declares XXXX.-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > # XXXX On the Account Type - Detail : XXXX & Experian shows a XXXX XXXX  but XXXX tagged it as XXXX-INACCURATE REPORT!!! 

On the Date Opened : XXXX shows 2nd week of XXXX, yet Experian & XXXX were 1st of XXXX-INACCURATE REPORT!!! 

On the Date Last Active : XXXX shows 2nd week of XXXX, Experian on 1st week of XXXX while XXXX shows 1st week of XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : XXXX & Experian shows XXXX, however, XXXX declares XXXX-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -> # : XXXX -UNKNOWN ACCOUNT EXISTENCE. NO VALIDATION OF DEBT. 
-INACCURATE REPORT!!! 
XXXX XXXX ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- > # XXXX -UNKNOWN ACCOUNT EXISTENCE. NO VALIDATION OF DEBT. 
-INACCURATE REPORT!!! 

This only shows that the investigation they have conducted was ineffective, inefficient, and lacks proof and accuracy. They are clearly reporting information with actual knowledge of errors. As per my knowledge about the laws set by the Congress ; A person is not allowed to furnish any information about a consumer to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. 

A person is prohibited from furnishing information about a consumer to a consumer reporting agency if the person has been notified by the consumer, at the specified address for such notices, that specific information is inaccurate. 

These provisions are in place to ensure that accurate information is reported to consumer reporting agencies and to address inaccuracies promptly after notification by the consumer. If a violation of these provisions is suspected, it may be appropriate to seek legal advice or contact relevant authorities for resolution. 

I wish these inaccurate derogatory items will all be removed from my files. 

Sincerely, XXXX XXXX

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