Consumer complaint received 2025-01-27 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:
Credit Accounts have been disputed time and company failed to properly investigate disputed information. The below accounts were disputed with XXXX and consumer received no response on the matter beyond notating the account that consumer disputes account. No investigation was conducted and the collection agency keeps reporting. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTIONS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$330.00} Amount {$330.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION These are only a few of the accounts that are inaccurate on my report with XXXX. I've reported inaccurate information, accounts that were not mine at all and fraudulent reporting to XXXX, XXXX  and Experian and nothing gets done. Once disputed with XXXX the company only leaves disputed results in the portal for a temporary period and then removes the " supposed investigation results ''. 

I'd like to request that any and all inquiries, collection accounts and negative markings reported by XXXX, experian and XXXX  regarding my credit profile be permanently deleted. Due to the recent findings that XXXX and others have not fully investigated disputes and further has acted irresponsibly with my sensitive personal data as seen via data breaches this is the fair and proper resolution. Once all negative, collections and inquires are removed I would like XXXX, XXXX and experian to send me a completed and updated credit reports. I have been sued in the past for a collection account that was not mine and had wages garnished over accounts that were not mine. This is not fair and if the credit bureaus can't act responsibly then they should not be granted my personal information.

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