Consumer complaint received 2024-12-26 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: NV

Complaint narrative:
Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ) I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNT AND THE bureau has verified on my credit report regarding the following account : XXXX XXXX XXXX XXXX Account Number : XXXX ) While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. 
Specifically, In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, payment status and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
incorrect balance, wrong account status, or erroneous payment history ].

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer & # 39 ; s dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account.

2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.

4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 

I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.

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