Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have never had a contract with this company. They have not provided the purchase agreement for the purchase of the debt from XXXX. I have never received any verification documents for this account. The account is reported as open when it has been charged off and bought by a collection company. The account open date is listed as XX/XX/XXXX which is not correct. The original account is XXXX which is also on the credit report with an open date of XX/XX/XXXX. There is inaccurate payment information since the only payment information being reported for the past two years is XX/XX/XXXX ( Experian ), but the account was open in XX/XX/XXXX. This information is reported inaccurately and is a violation of the FCRA and should be removed from my credit report. See attached credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting inaccurate payment information due to XXXX, Experian and XXXX reporting different payment history information. The date opened for this account is reported as XX/XX/XXXX and XX/XX/XXXX which is inaccurate and contradictory. I have disputed this account, and it has come back verified. I have not been provided with validation paperwork and after I have requested it. The inaccurate information being reported is a violation of FCRA. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting inaccurate payment history. XXXX Experian and XXXX are reporting different payment history information. I have disputed this account, and it has come back verified. I have not been provided with any validation documents for this account. This account should be removed from my credit report due to reporting inaccurate information which is a violation of FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account reports inaccurate payment history information. I have disputed this account, and it has come back verified. I have not been provided with the validation paperwork that was used to verify this account. The date opened is being reported as XX/XX/XXXX and XX/XX/XXXX and this information is contradictory and inaccurate. The inaccurate information being reported is a violation of FCRA. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting inaccurate payment information. The payment information is reported differently for XXXX  Experian and XXXX I have disputed this account, and it has come back verified. I have not been provided with the validation paperwork. The inaccurate reporting of information is a violation of FCRA, and this account should be removed from my credit report.

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