Consumer complaint received 2024-11-05 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:
The initial action taken by me was online via all credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/XXXX, XXXX From the online submission all responds from all listed credit bureaus mentioned above came back " Verified '' ( within the first XXXX XXXX days after I submitted online ). My next steps of actions, was to proceed with handwritten letters to all bureaus the first round of letters was initiated XX/XX/year> to all bureaus ( Experian, XXXX and XXXX ) by certified mail requesting that all steps must be taken to assure accurate & correct information is being reported and that it must be REMOVED from my report if not fully validated and using E-Oscar is not verification that can be used. 
I requested for the following proof : 1. A contract that shows my signature and original agreement to pay them 2. Deletion of all misleading and inaccurate information 3. Original creditor addresses, telephone # s and person of contact they verified this dispute with 4. Accounting records that show they are the legal owner of the debt After my XX/XX/2024 handwritten letters, I received a response from the credit bureaus verifying all information is " Verified ''. I sent a response letter to all credit bureaus by certified mail on XX/XX/year> then all credit bureaus again stated that this information has been " Updated and verified '' as accurate. After my response letters the following three credit bureaus : Experian, XXXX and XXXX absolutely none of them provided the above mentioned ( 4 ) proofs : ( contract that has my signature and original agreement, deletion of misleading and inaccurate information, original creditor addresses, telephone # s, contact person verify dispute, & account records that show legal owner of the debt ). I requested the following information on my 1st and 2nd round letter of disputes to ensure a proper investigation was performed. In addition, I sent the remaining of my negative reported disputes to all credit bureaus on XX/XX/XXXX by certified mail ( list remaining XXXX accounts ) that have been reporting inaccuracies on my credit report. The credit bureaus again verified information was Verified and Updated. I then followed by a response letter sent on XX/XX/year> by certified mail requesting for proof and original signature as stated earlier with my initial letters of accounts that I disputed and ask for the information to be removed, if unable to provide the following documents. Total number of disputes that I have made with all credit bureaus attempt has been three in totaled, with over XXXX + negatively reported items. These inaccuracies have prevented me from purchasing investment properties, refinancing my home for renovation and lowering my current APR % for the potential loan from lender and applying for loans through my credit union affiliations within this past year XXXX years. These accounts still remain and failed to be fully validated per my letters in attempt for the credit bureaus to do their due diligence in providing accurate and completeness of ones information on my credit profile. The credit bureaus had more than 30 days to provide the information requested and failed to send any proof per my request in accordance with Fair Credit Reporting Act, Section 611. 

CFPB your due diligence in taking the necessary steps in addressing this unfairness of credit reporting practices from all XXXX bureaus is needed at this time. I would like for my credit report to be reported accurately & fairness to be placed in high priority. Since, the credit bureaus failed to provide supporting proof that all accounts related must be DELETED for failure to provide the necessary information. Your effort towards addressing this credit matter will be truly appreciate it. 

The initial action taken by me was online via all credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/XXXX, XXXX From the online submission all responds from all listed credit bureaus mentioned above came back " Verified '' ( within the first XXXX XX/XX/XXXX days after I submitted online ). My next steps of actions, was to proceed with handwritten letters to all bureaus the first round of letters was initiated XX/XX/year> to all bureaus ( Experian, XXXX and XXXX ) by certified mail requesting that all steps must be taken to assure accurate & correct information is being reported and that it must be REMOVED from my report if not fully validated and using E-Oscar is not verification that can be used. 
I requested for the following proof : 1. A contract that shows my signature and original agreement to pay them 2. Deletion of all misleading and inaccurate information 3. Original creditor addresses, telephone # s and person of contact they verified this dispute with 4. Accounting records that show they are the legal owner of the debt After my XX/XX/year> handwritten letters, I received a response from the credit bureaus verifying all information is " Verified ''. I sent a response letter to all credit bureaus by certified mail on XX/XX/year> then all credit bureaus again stated that this information has been " Updated and verified '' as accurate. After my response letters the following three credit bureaus : Experian, XXXX and XXXX absolutely none of them provided the above mentioned ( 4 ) proofs : ( contract that has my signature and original agreement, deletion of misleading and inaccurate information, original creditor addresses, telephone # s, contact person verify dispute, & account records that show legal owner of the debt ). I requested the following information on my 1st and 2nd round letter of disputes to ensure a proper investigation was performed. In addition, I sent the remaining of my negative reported disputes to all credit bureaus on XX/XX/XXXX by certified mail ( list remaining XXXX accounts ) that have been reporting inaccuracies on my credit report. The credit bureaus again verified information was Verified and Updated. I then followed by a response letter sent on XX/XX/year> by certified mail requesting for proof and original signature as stated earlier with my initial letters of accounts that I disputed and ask for the information to be removed, if unable to provide the following documents. Total number of disputes that I have made with all credit bureaus attempt has been three in totaled, with over XXXX + negatively reported items. These inaccuracies have prevented me from purchasing investment properties, refinancing my home for renovation and lowering my current APR % for the potential loan from lender and applying for loans through my credit union affiliations within this past year XXXX years. These accounts still remain and failed to be fully validated per my letters in attempt for the credit bureaus to do their due diligence in providing accurate and completeness of ones information on my credit profile. The credit bureaus had more than 30 days to provide the information requested and failed to send any proof per my request in accordance with Fair Credit Reporting Act, Section 611. 

CFPB your due diligence in taking the necessary steps in addressing this unfairness of credit reporting practices from all 3 bureaus is needed at this time. I would like for my credit report to be reported accurately & fairness to be placed in high priority. Since, the credit bureaus failed to provide supporting proof that all accounts related must be DELETED for failure to provide the necessary information. Your effort towards addressing this credit matter will be truly appreciate it. 

Below will be all accounts reported to the following credit bureaus online and mail during the time period of XXXX XXXX XX/XX/year> some notes listed are examples of the inaccuracies with amounts and further investigation will prove inaccurate dates as well : Account Name : XXXX XXXX XXXX Account # : XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Additional info per credit report : Original amount of this account was $ XXXX and account charged off/ Written off : {$57000.00} Account Name : XXXX XXXX XXXX Account # : XXXX Contact Info : XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX ) XXXX Additional info per credit report : Original amount of this account was $ XXXX and account charged off/ Written off : {$23000.00} Account Name : XXXXXXXX XXXX XXXX Account # : XXXX Collection Agency Name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX The Merchant Name that gave my information to the Collection Agency : XXXX XXXX Additional info per credit report : Account charged off. Written off : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX ( XXXX ) XXXX The Merchant Name that gave my information to the Collection Agency : XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Additional info per credit report : Account charged off. Written off : {$5500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Name : XXXX XXXX Account # : XXXX Charged OFF Account {$9600.00}. 
Contact Info : XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Generated : XX/XX/year> Report # XXXX Account Name : XXXXXXXX XXXX Account # : XXXX Account charged off. Written off : {$2300.00} XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Name : XXXX Card Account # : XXXX Account charged off. Written off : {$2300.00} XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Name : XXXX XXXX Account # : XXXX Account charged off. Written off : {$2400.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account charged off. Written off : {$63.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Please note that I have all supporting documents pertaining to this inaccuracy and invalid credit reporting.

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