Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : METHOD OF VERIFICATION To Whom It May Concern ; I received your response with your dispute results and I need to know WHY these accounts is still remaining and you are claiming it have been verified or updated. That's impossible because these accounts are duplicate accounts that are reporting the same account number but different balances! so it is impossible they verified it with you. You are still reporting errors : These account is continuing to report errors after you claimed to have verified & updated it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. 
Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE & BLOCK THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE & INACCURATE. I have contacted original creditors & credit bureaus several times about these accounts & have made several disputes and have not gotten back any verification or copy of the original contracts signed by me with the determination that these accounts was returning as verified. Also, to date, I have not been told how these accounts have been verified or fully investigated without the documentation that was requested by me. I also asked the companies themselves to send a 1099-C form for the charged-off accounts, but this was not provided as well In addition to that, a third party debt collector was given my personal information without written permission and was not in a position to produce supporting evidence. 
In addition, information of mine have also been in data breach in Transunion, Experian, XXXX. 

Account Names & Account numbers are listed on the following attached pages. 
Please explain to me how your agency has " so-called '' verified or update these accounts? I'm allowed to ask and you're REQUIRED to answer. So how did you do it? Who did you talk to in the creditor 's office? Did you send them the information about the account that I sent in? How did you send it to them? Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have .. what did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that it's been verified or updated? The FCRA says that you have to tell me this within 15 days if I ask pursuant to 15 USC 168li ( 6 ) ( B ) ( 7 ) Description of procedure. And please do not send me any of your generic response letters of how you use various methods. I'm asking for " SPECIFICS '' on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then im asking to find out and shame on whomever if anyone cant provide this information meaning that would NOT be a proper investigation on your part as you are required to conduct. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I request and expect all these items to be removed & block from my credit files immediately. This is my final attempt.

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action filed state & federal court against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

Regards,

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