Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX across the XXXX credit bureaus ( XXXX, XXXX, and Experian ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : XXXX XXXX  Account Number : [ Insert Account Number ] Discrepancies Identified Across Credit Reports : 1. Account Balance : XXXX & Experian : {$5400.00} XXXX : {$5300.00} Discrepancy : Conflicting balances across credit bureaus. 
2. Date of Last Activity : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancy : The conflicting dates indicate inaccurate and inconsistent reporting. 
3. Last Payment Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Not reported. 
Discrepancy : Inconsistent last payment dates among bureaus. 
4. Payment Status : XXXX XXXX Experian : XXXX XXXX : Late XXXX  Days Discrepancy : Differing payment statuses create confusion about the true state of the account. 
5. Dispute Status : XXXX & Experian : Account not disputed XXXX : Consumer disputes- reinvestigation in progress Discrepancy : Conflicting information on whether or not the account is currently disputed. 
6. Credit Limit : All three bureaus report a credit limit of {$3600.00}, yet the high balance exceeds this limit, raising questions about the accuracy of reporting. 

Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with.

Their business address, name, and phone number.

3. Documentation proving the validity of the account balance, payment history, and charge-off status.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information.

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Falsely reporting payment activity and account status.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 


Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.

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