Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This credit bureau clearly did not open a proper investigation on concerns that I have made them aware of dealing with what I have found on my credit report and I am looking for your help to resolve this issue. On XXXX I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. According to U.S Code 15 U.S.C 1681i ( 5 ) ( A ) ( i ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I am attaching my dispute letter and would like a resolution for the accounts I am referring to. I do not believe the credit bureau is abiding by the FCRA and it is shown based off of my investigation request. The FCRA defines a consumer 's file as all of the information on that consumer that is recorded and retained by a consumer reporting agency, regardless of how the information is stored. I am requesting the documentation provided by the credit furnishers that verified the account information on my credit report. I am requesting the instruments used to determine that the accounts are reporting accurate information. If nothing can be supplied. I believe I was not given a proper investigation according to FCRA standards and my request for the accounts indicated in my letter will be adhered to. 

FCO : Account number : XXXX, This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit report. 

XXXX XXXX : Account number : XXXX, Despite my previous dispute letters to your department, the most recent credit report I reviewed still indicates that this account is being reported inaccurately and incorrectly. Multiple " violation '' claims have been posted on this account. I don't think the account 's current status is right. I strongly encourage your department to reinvestigate this matter and ensure that accurate, XXXX, and full information is provided. Immediately remove this erroneous account from my credit report! 

XXXX XXXX XX/XX/year> : I don't recall authorizing this inquiry. It could be fraudulent.As a consumer by law this account must be deleted immediately. 

XX/XX/XXXX : Account number : XXXX, I was never late in paying this account. I need you to update this account. 

XX/XX/XXXX : Account number : XXXX, How can you say this account was updated when it still looks exactly the same? The same inaccurate information is still being reported by your company and nothing has been updated. Update these inaccurate late payments immediately from my report. 

XX/XX/XXXX : Account number : XXXX, No late payment shall be reported in a paid account. Update this account on my credit report immediately.

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