Consumer complaint received 2024-12-22 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:
Subject : Immediate Deletion or Validation of Discrepancies Across Credit Reports XXXX XXXX  Account I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) across the three credit bureaus ( XXXX, XXXX, and Experian ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancies Identified Across Credit Reports : 1. Account Balance : Reported as {$21000.00}, despite the account being closed since XXXX, with no verifiable explanation. 
2. Last Payment Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Not listed 3. Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 4. Payment History : Ongoing late payments are reported in XXXX ( XXXX & Experian ), despite the account being charged off in XXXX. 
5. Dispute Status : XXXX : Account not disputed XXXX : Consumer disputes after resolution Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with. 
Their business address, name, and phone number.

3. Documentation proving the validity of the late payments and charge-off reporting.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Manipulating the statute of limitations by updating old accounts with false late payments.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 
2. Updated credit reports reflecting the removal of this account or corrected information.

Supporting Documentation : I am attaching : 1. Copies of my credit reports from XXXX, XXXX, and Experian, highlighting the discrepancies. 
2. Previous dispute letters sent to the credit bureaus. 
3. Any correspondence related to the XXXX XXXX account. 

Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA.

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.

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