Consumer complaint received 2024-01-26 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:
I filed a dispute with Experian on this account and requested a copy of the original contract showing my signature, along with copies of all statements and charges, yet I was not provided with anything. Then they waited a couple of days and then sent notice to me that my dispute had been completed and it says the same thing, they did NOT verify the information at all, they are breaking the FCRA and XXXX is breaking the FDCPA, and FCRA too!!! I want both fined for this and I want the laws enforced!!! I also want the account removed from all of my credit reports and a corrected copy of my credit reports, all three from all three credit bureaus mailed to you and me both, and do not want this complaint closed until it is completed! I will let you know when it is done! I am SICK AND TIRED OF THESE BUSINESSES AND COLLECTION AGENCIES AND CREDIT REPORTING AGENCIES WORKING AS CABAL AND BREAKING THE LAWS!! THEY NEED TO BE FINED AND SHUT DOWN, THEY ARE RUINING PEOPLE 'S CREDIT AND BREAKING THE FCRA AND FDCPA AND THE GOVERNMENT REGULATORS NEED TO ENFORCE THE LAWS!! I WANT YOU TO SHARE A COPY OF MY COMPLAINT WITH THE FTC!! 
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Updated Information on this item has been updated. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms Not reported On record until XX/XX/XXXX Recent balance {$2200.00} as of XX/XX/XXXX Credit limit or original amount {$1500.00} High balance {$2500.00} Monthly payment Not reported Recent payment amount {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$2500.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms Not reported On record until XX/XX/XXXX Recent balance {$2200.00} as of XX/XX/XXXX Credit limit or original amount {$1500.00} High balance {$2500.00} Monthly payment Not reported Recent payment amount {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$2500.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX XXXX XXXX .... 
Updated Information on this item has been updated. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms Not reported On record until XX/XX/XXXX Recent balance {$2200.00} as of XX/XX/XXXX Credit limit or original amount {$1500.00} High balance {$2500.00} Monthly payment Not reported Recent payment amount {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$2500.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms Not reported On record until XX/XX/XXXX Recent balance {$2200.00} as of XX/XX/XXXX Credit limit or original amount {$1500.00} High balance {$2500.00} Monthly payment Not reported Recent payment amount {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$2500.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/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