Consumer complaint received 2024-12-21 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:
I have disputed this account before with credit agencies. This account with XXXX has caused me so many denials and more and even unfair treatment. I have disputed this account with Experian over 7 times and they verified it each time. I even requested information on the dispute never sent. Asked them to reinvestigate it and I Called and they stated that it would be done by XX/XX/XXXX it was completed XX/XX/XXXX. BEFORE that it was disputed on XX/XX/XXXX came back as verified less than XXXX. Then was disputed again on XX/XX/XXXX and I called XX/XX/XXXX and the representative had an attitude saying it was going to come back verified because they don't see anything wrong. BELOW I WILL ATTACH WHAT I SENT TO EXPERIAN MULTIPLE TIMES ( CAME BACK VERIFIED ) THE INACCURACIES, THE LETTERS I UPLOADED REQUESTING REMOVAL AND ALL THEY DID WAS MODIFY AN UPDATE INACCURATE INFORMATION. I applied for an auto loan and it denied because of a recent XXXX OFF " I did not have any recent charge offs at all XXXX XXXX reporting I charged off XXXX XXXX when I did not! THATS VERY MISLEADING. I asked for this information to be removed NUMEROUS TIMES. As of today the information reporting is still wrong and misleading! Experian Needs to send me the step by step information on how they investigated this account! So they can pay me for the inaccuracies Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Per FCRA 15 USC 1681i ( 5 ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer ... Which they have not. THEY ARE FAILING TO COMPLY WITH THE FCRA LAWS THESE ACCOUNTS NEED TO BE REMOVED THEY ARE NOT SHOWING ACCURATE ON ANY CREDIT REPORTING FOR XXXX, XXXX AND EXPERIAN ARE ALL REPORTING DIFFERENT AND WRONG. I have discussed this with the creditors already and they site they are not responsible for how the credit reporting agencies report! Also failure to comply with the fcra laws -f any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs. 
Below I attached my letter I sent them explaining the wrong reporting/ inaccuracy, im attaching the verified statements they investigated and reinvestigated and still wrong. Also attaching the other XXXX reporting agencies that are reporting the XXXX account that not even being reported the same and 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 explanation