Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I quested an investigation tHru the Consumer Finance Protection Bureau into an account called XXXX XXXX XXXX XXXX that is listed on my credit report and all you did was update it to some information I provided in a XXXX Bureau Report in my last dispute and you copied information that XXXX showed right off what I provided. I would like to know how you could have completed a proper investigation a on this account since I provided you with the documentation that proves your information is not accurate. According to theFCRA section 611 ( a ) ( 4 ), with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer. This means that if you had verified this account correctly then the information I provided you should have been sufficient evidence to prove this listing is incorrect and warrant its removal.It is my belief that you have not contacted the furnisher of information since I have spoken to them myself and they tell me that not only have you never contacted them the information you are reporting is incorrect. I have even had them provide me a letter that I will use in a court of law to prove what you are showing on my credit report is incorret. It is also my belief that you have failed inyour duty to maintain reasonable procedures that would assure complete accuracy of my credit report. I am formally requesting that you provide me with the method of verification used to determine the accuracy and completeness of the information I have disputed According to the FCRA section 611 ( a ) ( 7 ), if Irequest this information you must provide it to me within 15 days. I would like to note that matching account numbers and information that is recorded on a third party database or use of the E-Oscar system is NOT what is required or expected by law and if your method of verification was only to check a third party database without verifying this information with the furnisher of information then you have not done what is necessary.Please provide me with the name and address of any furnishers of information connected to this investigation and the name of the person that was contacted and the phone number and any copies of any documentation you may have pertaining to this account. If you are not able to provide me with the information I am requesting in this communication I will assume that you will do your lawful duty and remove this erroneous information from my file and that you will prevent the reinsertion of this erroneous information to my file and send me documentation proving that you have removed this erroneous information from my file and proving you will prevent thereinsertion of this erroneous information to my file. For the purpose of goodwill, I will again provide you with the specifics regarding this account, please see below : XXXX XXXX XXXX  Account XXXX As I have stated in both this letter and the multiple requests for investigation this item is is erroneous and is damaging my financial reputation. Please be advised that while it is difficult to give an exact amount of what I believe the damages are. I have studied the FCRA act and you have several violations in which I can receive up to {$1000.00} per violation. THIS WILL BE THE LAST TIME I ASK EXPERIAN ABOUT THIS TRADELINE, you have 15 days from receipt of this complaint to fix this issue. My next correspondence will be a lawsuit filed against Experian and I guaranteed you with the evidence I can provide in a court of law, it will be removed then and I will be receiving monies for violations of the Federal Credit Reporting Act. 
Thank you for you time,

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