Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on my previous complaint regarding the mishandling of my credit dispute by the credit bureau. Despite submitting a formal complaint a month ago, I have not received any resolution or substantive response. After my initial dispute was inadequately addressed, I filed a second dispute with the bureau. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to inform the furnisher of the disputed information and provide them with all relevant documentation. This legal obligation has not been fulfilled, as the furnisher continues to report the inaccurate information without any verification or correction. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX : Account number : XXXX, A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. 

XXXX XXXX Account number : XXXX, The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent a previous dispute letters to your agency. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. If your agency is unable to do so, I demand that this account be removed from my credit report. 

XXXX XXXX  Account number : XXXX, This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, This account was reported as a charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account. 

XXXX XXXX : Account number : XXXX, I see that this account has charge-off status and yet there is a balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't believe the status of this account is accurate either. Delete it due to multiple violations. 

XXXX XXXX XXXX : Account number : XXXX, Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 

XXXX  XXXX : Account number : XXXX, Please clarify the payment status, comments, balance, and account number as they might be erroneous. Correct or delete them from my credit report altogether. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Im confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 

XXXX  : Account number : XXXX, I don't believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.

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