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: IL

Complaint narrative:
Since XXXX I have been attempting to have inaccurate information removed from my account. Each time I would submit a dispute and follow up the accounts would come back verified and they would say they updated the information. There is no way after all this time the accounts are still incorrect how can you have updated the information 6 times. Also, I kept requesting information on what they did because there is no way you are verifying incorrect information, so I asked for the results from the investigation or proof that an investigation was even done, and they have given me nothing. And as I look over the paperwork most of the time when it says information was updated nothing has changed. They are being dishonest not reviewing the case and pretending to change information while doing nothing. These dishonest practices have cost me time and money. One of them I was forced to pay an illegal collection because at the time I was uneducated and didn't know my rights or how to fight to have it removed and had to pay it to be able to obtain housing for me and my children. It is theXX/XX/XXXX. That was classified as a rental collection. I couldn't obtain housing until that was paid and they had no right to even report the false balance to my credit, but Experian refused to actually investigate and remove it. Which I have proof of and submitted I kept asking them to investigate the company was not providing me with any information that I asked. Now that I am more educated and know my rights, I have come to file a formal complaint because they have once again added false collections to my account, and it has become overwhelming and stressful to have them continue to do this. I have attached the records of dispute on their end from 6 attempts of me trying to have inaccurate info. removed. I have also attached a copy of an example of what I have sent to them asking that they verify information with these companies. To show how clear and concise I am when disputing these errors and how they just bluntly ignore what I ask them to do to help get the errors resolved. If you need me to go and find the other communications I sent I can track them down. I contacted the company on at least 6 different occasions I have proof they received my communication as they responded and I attached the responses from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of my request were honored and no documentation as to the dates for the late payments the proof of contract with any of these collections company are provided at any time. They never gave me any proof and just kept saying the errors were valid. Upon checking my credit this month I see that they have added 2 collections to my account from XXXXXX/XX/XXXXXXXX. and XXXX XXXX. I do not owe these people or anyone else anything and there is no way they verified me owing them because I don't.

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