Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has recently been exposed and sued by the CFPB for- " Sham investigations of credit report errors. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. '' A complaint was made today XXXX, regarding this account being fraudulently and inaccurately reported with a request for evidence used to verify and EXPERIAN ( less than 1 hour ), reported it as accurate-with no supporting evidence provided to the consumer, whatsoever. 
As a consumer, I have the right to my accounting, personal information and an explanation of how it is being used ( UCC 9-210 full accounting ). How much investigating was done in less than 1 hour, on a FEDERAL HOLIDAY, how many people were at XXXX XXXX today to verify information? Banks are closed on federal holidays. I've requested the verification information and documentation used to verify the information. I have not once received any of the requested information of documents. So who are they speaking to, who is verifying, what information and documentation was shared, what time did this occur? The recording of the verification and documents used are demanded and required to ensure EXPERIAN is not continuing with the same behaviors and violations of consumer rights they were just sued for. The violations of FCRA and insufficient investigations and inaccurate reporting by EXPERIAN are inexcusable. Had EXPERIAN requested full accounting to verify the information provided by furnishers, they would immediately see the errors and that this debt has been paid. This complaint was regarding fraudulent use of securities, inaccurate reporting of amount of alleged debt, down payments made vs applied to account, lack of consideration to effect a contract and monies not applied to account when illegally obtained. I have also tried to remove inaccurate, unmailable addresses which EXPERIAN refuses to remove as they claim, the address is tied to a debt. The address in the consumer report is required to be accurate and of the consumer-not the fraudulent and unverified debt, not as supplied by a debtor in contrast to the actual and true address of the consumer. The address of the consumer is a confirmed on a Federal Level by Postal Records. For EXPERIAN to refuse to accept consumer data, verified on a Federal Level, and instead use consumer information supplied by debt collectors ( to which they sell our personal consumer data to ) is illogical and clearly shows EXPERIAN is not upholding it's position to fairly and accurately report information, in violation of FCRA. Rather they use creditor and debt collector information ( which they make money from ) information that is " threatening consumers access to credit, employment, and housing '' per CFPB and confirmed again in this complaint.

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