Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of several items on my Experian credit report, generated on XX/XX/XXXX. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation into any disputed items and provide me with the method of verification ( MOV ) for how each item was validated. Experian has failed to do so and on several of my previous complaints they stated they could not locate my credit report, or that the accounts were accurate but they failed to send me a Method of verification on their investigation and when I call to see if they received my MOV they state they have not its outrageous The following items require immediate investigation and correction or deletion if verification can not be provided : 1.Account Name : XXXX XXXX XXXX 
Account Number : XXXX Issue : Charged-off status with an outstanding balance of {$100.00} as of XX/XX/XXXX. The account reflects consistent charge-off entries without documentation to validate the debt or proper investigation of prior disputes. 

2.Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Issue : Charged-off status with a past-due amount of {$230.00} as of XX/XX/XXXX. This account was previously disputed, yet no method of verification was sent to me. 

3.Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off status with a balance of {$960.00}. Despite reporting numerous late payments, Experian failed to validate the accuracy of these derogatory entries when requested. 

4.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( No account number shown on report which is a violation, I have attached my Experian report with proof ) Issue : This account shows two late payments before closure. The investigation results for prior disputes are incomplete, and no method of verification was provided. failure to comply with 15 USC 1666B ( a ) while account was open.

I request that Experian : Verify the Accuracy : Reinvestigate the items listed above, contacting the original data furnishers to obtain documented proof of their reporting.

Provide the Method of Verification ( MOV ) : As per FCRA 611 ( a ) ( 7 ), provide me with the name, address, and telephone number of each furnisher contacted during the investigation.

Correct or Delete : If the items can not be verified within 30 days, you are obligated to delete or correct them under FCRA 611 ( a ) ( 5 ).

In addition, I am providing copies of my credit report, identification, and any supporting documents to facilitate your investigation.

Experian has failed to comply with these obligations, I reserve the right to pursue legal remedies, including filing this complaint with the Consumer Financial Protection Bureau ( CFPB ).

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