Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, Experian, and XXXX. The discrepancies between the information reported by these bureaus, along with XXXX 's documented history of inadequate investigation practices, necessitate immediate attention. 

Key Discrepancies in Reporting : XXXX : Account Status : Indeterminate. 
Payment Status : Payment after charge off/collection. 
Last Reported Date : XX/XX/year>XXXX 
Comments : Purchased by another lender. 

Experian : Account Status : Indeterminate. 
Payment Status : Charge-off. 
Last Reported Date : XX/XX/scrub>XXXX XXXX XXXX No account details reported for this account. 
Grounds for Dispute : Incomplete and Inconsistent Reporting : The account is inconsistently reported across XXXX and Experian, with XXXX failing to provide any details. This raises concerns about the accuracy and completeness of the data being reported. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, all information furnished to consumer reporting agencies must be accurate and verifiable. The discrepancies between the bureaus demonstrate that this requirement is not being met. Additionally, XXXX 's lack of reporting on this account highlights a failure to maintain a complete credit file. 

XXXX XXXX XXXX Investigations : XXXX has a documented history of conducting " sham investigations '' into consumer disputes, including a recent case where the company failed to conduct reasonable investigations into consumer complaints, as required under the FCRA. This calls into question the validity of any automated or cursory reviews XXXX may attempt in this instance. 

Resolution Requested : Provide a thorough and detailed investigation of the discrepancies outlined above. 
Verify the accuracy of all reported data, ensuring alignment across all three credit bureaus. 

Remove any inaccurate, unverifiable, or outdated information regarding this account from my credit reports. 

Provide me with written confirmation of the actions taken as a result of this dispute. 
Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If you find that the information can not be verified, it must be promptly deleted or corrected. 

Supporting Information : I have enclosed copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies for your reference. 

Failure to address this matter accurately and within the legal timeframe may result in further action, including filing complaints with each state AG and pursuing legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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