Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My Social Securite Number 's is XXXX Response to complaint number:XXXX Re : under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) To Whom it may concern.. 

XXXX again claims that the disputed information on these accounts : Account name : XXXX XXXX XXXX Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to XXXX, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that XXXX  ( YES ) has errors in their reports and the information is not accurate or precise XXXX has violated 15 U.S.C. Sec. 1681i ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau. 

XXXX claims that the account closing date is XX/XX/XXXX but only reports that information to XXXX, not to Experian or XXXX, I demand that you give me proof of where you get that information to verify that date, and why don't you report it to the other credit bureaus? 
it is my right under the law 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ). 

XXXX claims the last payment date is XX/XX/XXXX in XXXX and Experian but does not report the last payment date in XXXX, ( attached proof of this ), XXXX  is lying and violating the consumer rights laws ( FCRA ) 15 U.S. Code 1681i ( 5 ).

Under law 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I demand that XXXX show written proof of the process it carried out to determine that this information is accurate and complete as stipulated in the last letter sent, ( I show proof of the letter ). 

XXXX reports the last verification in XXXX is XX/XX/XXXX but does not report the last verification in Experian or XXXX, under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the last verification on this account. 

XXXX reports that the High Balance of the account is XXXX in XXXX and Experian but XXXX shows ( XXXX ) .this is ( inaccurate information ), under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the high Balance on this account. 

kickoff reports the opening date as XX/XX/XXXX in XXXX but shows a different one in Experian and XXXX XX/XX/XXXX ( show visual evidence ), under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

XXXX reports to Experian and XXXX that the Account Rating is paid, but XXXX reports the account is still open, that is erroneous and unverified information, under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

XXXX reports that in the balance due I owe ( XXXX ) $ in Experian and XXXX but reports that I owe XXXX in XXXX, that is false, that account is closed, I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

XXXX  reports that the Date of Last Activity : in XXXX was XX/XX/XXXX in Experian reports another date XX/XX/XXXX and in XXXX they do not report the last date of activity, that is erroneous and inaccurate information, I require XXXX to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 


Under the law under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) I have the right to know how Self verified and determined that this account complies with the parameters of the FCRA and NO law IS BEING VIOLATED. I demand that if you can not provide written proof within 15 days after receiving this letter, the information must be removed from my Experian, XXXX and XXXX credit report as required by law. 

Under the law 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX multiple times about the accuracy of these accounts and kikff has not been able to correct the errors,,, the law 15 U.S. Code 1681i ( 5 ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that XXXX delete the account at Experian XXXX and XXXX, and enforce the law 15 U.S. Code 1681i ( 5 ) Att : XXXX XXXX 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