Consumer complaint received 2024-07-19 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: PA

Complaint narrative:
I asked Experian to honor and process my factual disputes for the following accounts, as I am legally permitted to do under FCRA Sectiion 611. Experian has a legal obligation to conduct an independent investigation. Federal law does not permit Experian to verify an account as accurate, when in fact, it is inaccurate. 

Experian will not explain to me why they insist on maintaining inaccurate and incomplete accounts on my credit file. They are illegally maintaining inaccurate information on my credit file which violates my rights for completeness and accuracy. 

I asked Experian on several occasions to investigate my disputes, and they have not done so. Experian has repeatedly stamped my disputes for these accounts as verified and accurate even though the information they report is incomplete and inaccurate! 
Federal Law requires these items to be deleted if they are not corrected. Experian keeps asking me to re-dispute, only to tell me that I can not re-dispute even though they are required to fix the inaccuracies. 

I have asked the CFPB to look into these matters previously and was assured that they would be fixed. Experian will only send a template reply that another investigation is being initiated, but the investigations are not independent ; they do not involve proper verification, so the items are automatically stamped as " verified '' even when the information is clearly wrong. 

Here are the accounts that have had ongoing inaccuracies and missing information for several years, even after asking the Consumer Financial Protection Bureau to review my complaints for their failure to comply with the Fair Credit And Reporting Act as it relates to my credit file. 

1. XXXX XXXX XXXX The account has been reporting inaccurately for several years, even after disputes requesting correction or deletion as permitted by FCRA. This account shows multiple charge offs with absolutely no payment history, no negative payment history to justify the negative reporting. The account must be deleted for inaccuracy. 

2. XXXX XXXX # XXXX Experian erroneously reports consecutive charge offs for XXXX and XX/XX/XXXX, but there is no payment history to justify these entries. How can an account have a charge off without a payment history to justify it? Experian did not investigate this account, nor did it check for accuracy, because if they did, it would have been apparent that this is inaccurate. The account is eligible for immediate deletion under FCRA. 

3. XXXX XXXX XXXX XXXX Experian was repeatedly asked to investigate and to provide the documentation they must have in order to verify this account. The account reports a charge off for XX/XX/XXXX, but there is no other payment history to explain the charge off. They said the account was verified as accurate, but how can they report an account as negative with no proof. They can not explain how a charge off was entered with no payment history. The account was never corrected and per FCRA 611, should be deleted.

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