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:
I am submitting this complaint regarding [ Experian, XXXX, or Both ] and their failure to conduct a reasonable and thorough investigation into disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. Despite submitting evidence of payment and disputing the inaccuracies, certain accounts remain on my credit report, which is a violation of my rights under the FCRA. 

Details of My Dispute I have disputed the following accounts with the credit bureaus : 1. Account Name : XXXX XXXX ( Government Overpayment ) Account Number ( Partially Masked ) : XXXX Reason for Dispute : This account, listed as open with a balance of {$1400.00}, was fully paid as of XX/XX/year>2024. Despite providing proof of payment, the credit bureaus failed to remove or accurately update this account during their investigation. 
2. Account Name : XXXX XXXX Account Number ( Partially Masked ) : XXXX Reason for Dispute : This account, reported as 120+ days past due with a balance of {$2900.00}, was closed by the credit grantor. The investigation failed to verify the validity of the past-due payments, nor were my supporting documents addressed.

FCRA Violations The following violations have occurred : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Credit bureaus must conduct a proper investigation into disputed accounts within 30 days. My disputes were not handled thoroughly, as the status of the DFAS account and others remain inaccurate.

2. Failure to Remove Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Information that can not be verified within the investigation period must be removed. The XXXX account, which I have paid in full, remains on my report with an incorrect balance. 
3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The credit bureaus failed to ensure the accuracy of the information reported by data furnishers, allowing these errors to persist and harm my creditworthiness.

Requested Resolution I respectfully request the CFPB to take the following actions : 1. Remove the XXXX account entirely from my credit report or update it to reflect a {$0.00} balance and Paid status. 
2. Direct the removal of the XXXX XXXX account if it can not be verified or updated accurately. 
3. Require a detailed explanation of how the disputes were handled and what evidence was reviewed. 
4. Ensure compliance with the FCRA and provide written confirmation of the deletions or updates. 

The unresolved inaccuracies on my credit report have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I trust the CFPB will intervene to ensure my rights under the FCRA are upheld. 

Thank you for your attention to this matter. I look forward to a timely resolution.

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