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: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # 1 : XXXXXX/XX/XXXX Account Number : XXXX Description : I previously disputed this account stating : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account or delete the negative information from this account. 

Inaccuracy # 2 : XXXX XXXX Account Number : XXXX Description : I previously disputed this account stating : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account or delete the negative information from this account. 

Inaccuracy # 3 : XXXX XXXX Account Number : XXXX Description : I previously disputed this account stating : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account or delete the negative information from this account. 

Inaccuracy # 4 : XX/XX/XXXX Account Number : XXXX Description : I Previously Disputed This I previously disputed this account stating : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account or delete the negative information from this account. 

Inaccuracy # 5 :XX/XX/XXXXXXXX XXXX Account Number : XXXX Description : I previously disputed this account stating : " This account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account or delete the negative information from this account. 

Inaccuracy # 6 : XXXXXX/XX/XXXX Account Number : XXXX Description : I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account or delete the negative information from this account. 

Inaccuracy # 7 : XXXX XXXX Account Number : XXXX Description : I previously disputed this account stating : " The current payment status of 120 days past due is incorrect because the balance due on this account is {$0.00}. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account, or delete the negative information from this account. 

Inaccuracy # 8 : XXXX Account XXXX : XXXX Description : I previously disputed this account stating : " The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. ". I disagree with the results of your investigation. Please mail me proof of your investigation and proof of the negative payment status for this account, or delete the negative information from this account. 

Inaccuracy # 9 : XXXXXX/XX/XXXX Account Number : XXXX Description : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I disagree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

Inaccuracy # 10 :XX/XX/XXXXAccount Number : XXXX Description : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I disagree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

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