Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S code 1692 ( g ) validation of debt XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX Account Number : XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 11. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This account was PAID and AGREED. 
XXXX XXXX Account Number : XXXX Please remove this account in my credit report. 
XXXX. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. " You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. '' XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX XXXXXXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX

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 non-monetary relief