Consumer complaint received 2025-02-03 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 : XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # 2 : XXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # 3 : XXXX XXXX Account Number : XXXX Description : I was never late on this account. I have made all my payments on time. 

Inaccuracy # 4 : XXXXXXXX XXXX Account Number : XXXX Description : I was never late on this account. I have made all my payments on time. 

Inaccuracy # 5 : XXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # 6 : XXXX XXXX  Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # 7 : XXXXXXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # 8 : XXXXXXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Inaccuracy # 9 : XXXX XXXX Account Number : XXXX Description : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

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