Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX To Whom It May Concern, I have sent disputes to XXXX, XXXX AND EXPERIAN on the following creditor ( s ) : 1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX 3. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION NAVIENT Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 4. Violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. 
XXXX  Account Number : XXXX YOU DID NOT FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION ON MY CREDIT REPORT! I DEMAND THE IMMEDIATE REMOVAL OF THIS INACCURATE AND UNVERIFIED ACCOUNT FROM MY CREDIT REPORT! 

5. Violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. 
XXXX XXXX Account Number : XXXX YOU DID NOT FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION ON MY CREDIT REPORT! I DEMAND THE IMMEDIATE REMOVAL OF THIS INACCURATE AND UNVERIFIED ACCOUNT FROM MY CREDIT REPORT! 

6. Violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. 
XXXX XXXX Account Number : XXXX YOU DID NOT FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION ON MY CREDIT REPORT! I DEMAND THE IMMEDIATE REMOVAL OF THIS INACCURATE AND UNVERIFIED ACCOUNT FROM MY CREDIT REPORT! 

7. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION NAVIENT Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 8. Violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. 
XXXX  Account Number : XXXX YOU DID NOT FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION ON MY CREDIT REPORT! I DEMAND THE IMMEDIATE REMOVAL OF THIS INACCURATE AND UNVERIFIED ACCOUNT FROM MY CREDIT REPORT! 


I have given them 30 days and resent another dispute letter because I recieved no response. After day 60 I called XXXX, XXXX AND EXPERIAN all three of them said the information was verified. From the information I was given is that I should sent the creditor a dispute asking for a " method of verification ''. I sent another letter to the creditor ( s ) and again 30 days went by with no response. So i sent another letter requesting this " method of verification '' and now day 60 with no response. I feel as if I am getting blown off from the creditors as well as the three burueas. I need help and all I am getting is bounced back and forth from the creditor to the burueas. Can you please assist in this matter? 



Sincerely yours, XXXX XXXX

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