Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
I am writing in response to your company 's recent reinvestigation of the disputed acount on my credit report, specifically referencing the account with the XXXX Account # : XXXX. It has come to my attention that despite XXXX 's acknowledgment and removal of this negative account, both Experian and XXXX have chosen to disregard my rightful claims and persist in reporting an account that doesnt belong to me. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


ou are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your companys investigation, you stated in writing that you verified this account? Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised that your company continues to report these unverifiable and incomplete items. This acount can be considered falsified revenue and illegal by the IRS due to the fact this account have been charged off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction? These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). Please remove this unverified and incomplete item listed XXXX Account # : XXXX. 15 U.S. CODE 1692G Validation of debts I must emphasize my profound disappointment with the lack of responsiveness and accountability demonstrated by both Experian and XXXX in handling my complaints lodged with the Consumer Financial Protection Bureau ( CFPB ). It is disheartening to see such negligence and apathy towards consumer rights and regulatory obligations. 

As per the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau, credit reporting agencies such as yours are mandated to ensure the accuracy, fairness, and integrity of the information contained in consumer credit reports. However, your failure to remove this erroneous and unsubstantiated account despite clear evidence provided during legal proceedings in XXXX municipal court on XX/XX/2024 ( Case # XXXX ), highlights a blatant disregard for these fundamental principles. 

Furthermore, it is imperative to note that under the FCRA, credit bureaus must conduct reasonable investigations upon receiving a dispute from a consumer. This includes verifying the accuracy of the information with the original creditor or furnisher of the information. However, both Experian and XXXX have failed to provide any substantial evidence or documentation outlining the verification process undertaken to validate the disputed account. 

In light of the aforementioned facts, I demand immediate removal of the unverifiable account from my credit reports maintained by both Experian and XXXX. Failure to comply with this demand will leave me with no choice but to pursue legal recourse against both entities for willful non-compliance with federal law, as well as for the damages incurred as a result of your negligent actions. 

Please be advised that this letter serves as my final attempt to resolve this matter amicably before initiating litigation against Experian and XXXX. I expect a prompt and satisfactory resolution to this dispute within 15 days from the date of this letter. 

Sincerely, XXXX XXXX [ Enclosures : Copies of relevant documentation, including court judgment, previous correspondence, CFPB complaints, etc. ]

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