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: VA

Complaint narrative:
XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Dear Experian I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. Experians act of negligence is damaging my credit report. This account is clearly still not compliant with Metro 2. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Experian used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Two-Year Payment History : ( XXXX ) Experian is going against their own Glossary of account conditions & payment status : Charge-Off is only an Account Condition, so how is it reporting Charge-Off as Payment Transactions on Payment History every month on this Account. There is no Payment History listed as Charge-Off only Account Condition. Its literally in Experians own Glossary, so how is this even Accurate based on Experians own Glossary of account conditions & payment status. 
XXXX : No History Reported Experian : Experian is going against their own Glossary of account conditions & payment status : Payment Status : ( XXXX ) This XXXX XXXX  Account is acting as a Charge-Off Account & Collections Account Simultaneously. Payment Status is Charge-Off on Report, but XXXXXXXX XXXX is acting as XXXX XXXX XXXX XXXX attempting XXXX collect a debt as a Collection Agency too. 


Date Opened : ( XXXX ) ( XXXX ) DIFFERENT DATES OPENED. HOW ARE THERE XXXX DIFFERENT OPENING DATES REPORTING? 
XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Closed Date : ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT NO CLOSED DATE ON AN ACCOUNT THATS CLOSED? 
XXXX : XX/XX/XXXX Experian : No Closed Date Date of Last Activity : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES REPORTING? 
HOW DID EXPERIAN VERIFY THIS ACCOUNT, AND DATE IS XX/XX/XXXX XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Last Verified : ( XXXX ) HOW DID EXPERIAN VERIFY THIS ACCOUNT, BUT ITS NO DATE REPORTING FOR LAST VERIFIED? 
XXXX : XX/XX/XXXX Experian : No Date Reporting Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.

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