Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
Subject : Complaint Regarding Failure to Investigate Disputed Accounts and Improper Verification by Credit Reporting Agencies and XXXX XXXX I am filing this complaint against Experian, XXXX, XXXX, and XXXX XXXX for their failure to properly investigate and verify disputed accounts on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these accounts remain on my credit report without any substantive proof of investigation, causing significant harm to my XXXX XXXX and financial standing. 

Details of the Disputed Accounts : XXXX XXXX XXXX Account Numbers : XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX ( reported to all three credit bureaus ) Additional XXXX XXXX XXXX Account Account Numbers : XXXX : XXXX Experian : XXXX XXXX : XXXX Background and Disputes : I have been disputing these accounts since XX/XX/year>, challenging their accuracy and the manner in which they were added to my credit reports. Despite my efforts, the credit bureaus have repeatedly responded with vague claims that the accounts are verified without providing any evidence or details about the verification process. 

One of the accounts ( XXXX XXXX XXXX ) was opened without my consent. ( Account Numbers : XXXX : XXXX, Experian : XXXX, XXXX : XXXX ) This account was added to my credit report while two other delinquent accounts from SELF were already being reported. I did not authorize the opening of this account, yet it has since been reported as delinquent.

I have raised concerns about multiple discrepancies within the reports of these accounts, yet the credit bureaus have failed to conduct a thorough investigation or address these inconsistencies.

FCRA Violations : Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) The credit bureaus failed to conduct a proper investigation into my disputes, merely stating the accounts were verified without providing any supporting documentation or evidence.

Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) I requested detailed information about how these accounts were verified, but no substantive response was provided, violating my right to obtain verification information. 
Reporting Inaccurate and Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ( A ) ) The credit bureaus and XXXX XXXX continue to report inaccurate and unverifiable accounts, which should have been removed from my credit reports. The inclusion of these accounts, especially the unauthorized one, has significantly damaged my credit score and report, causing financial and emotional distress. The lack of transparency and failure to properly investigate my disputes further exacerbates the harm caused.

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