Consumer complaint received 2025-04-04 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: SC

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIAN REGARDING INACCURATE ACCOUNTS. THE FCRA STATES THAT CONSUMER REPORTING AGENCIES SHALL ENSURE MAXIMUM ACCURACY WHEN COMPILING AND FURNISHING CONSUMER REPORTS. ( 15 USC 1681 EB ) EXPERIAN HAS FAILED TO CONDUCT A REASONABLE INVESTIGATION AND CONTINUES TO FURNISH INACCURATE NEGATIVE INFORMATION TO MY CONSUMER REPORT. THIS IS CAUSING HARM TO MY CREDIT WORTHINESS, REPUTATION, AND ABILITY TO OBTAIN CREDIT FOR HOUSEHOLD, FAMILY, AND PERSONAL USE. EXPERIAN IS WILLFULLY AND NEGLIGENTLY FURNISHING NEGATIVE INFORMATION, AFTER I HAVE GIVEN ADEQUATE NOTICE. 
THE FOLLOWING NEGATIVE ACCOUNTS ARE UNLAWFULLY BEING REP ORTED ON MY CONSUMER REPORT. 

XXXX ACCT XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B XXXX XXXX -- XXXX # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) XXXX -- - ACCT # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) ALSO TH ELAST UPDATE IS XXXX XXXX. ANOTHER VIOLATION OF THE FCRA ( FURNISHERS MUST DO BUSINESS IN AN ORDINARY AND REGULAR CAPACITY ) THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XXXX BUT EXPERIAN CLAIMS IT WAS UPDATED IN XXXX ( SEE RESULTS FROM CONSUMER REPORT ) FETTI XXXX -- -- ACCT # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) ANOTHER VIOLATION OF THE FCRA ( FURNISHERS MUST DO BUSINESS IN AN ORDINARY AND REGULAR CAPACITY ) THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XX/XX/XXXX BUT EXPERIAN CLAIMS IT WAS UPDATED IN XXXX ( SEE RESULTS FROM CONSUMER REPORT ) NO DATE FROM XXXX XXXX UNTIL XXXX XXXX THEN NOTHING. 

XXXX XXXXXXXX XXXX -- -ACCT # XXXX ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ). ALSO A BANKING RULESN VIOLATION. CREDITORS MUST WAIT 180 DAYS TO CHARGE OFF A CREDIT CARD ACCOUNT. ( NOT XXXX ) ANOTHER VIOLATION OF THE FCRA ( FURNISHERS MUST DO BUSINESS IN AN ORDINARY AND REGULAR CAPACITY ) THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XX/XX/XXXX. BUT EXPERIAN CLAIMS IT WAS UPDATED IN XXXX ( SEE RESULTS FROM CONSUMER REPORT ) XXXX XXXX XXXXXXXX # XXXX ( AMOUNT OWED {$690.00} ) LAST UPDATED XXXX XXXX. CONSUMER VIOLATION OF UNORDINARY REPORTING. ( FAILURE TO SEND PROPER DOCUMENTS OR PROVIDE TO ME THE PROOF FROM CREDITOR ) 15 USC 1666B AND 15 USC 1637B ) XXXX WAS RECENTLY SUED BY THE CFPB AND FOUND TO BE IN GRAVE VIOLATION OF THE FCRA. XXXX MAKES IT AN ORDINARY PRACTICE TO FURNISH INACCURATE INFORMATION. 
THE FOLLOWING SIX ACCOUNTS ALL HAVE THE SAME ACCT # XXXX {$2800.00} XXXX {$3300.00} XXXX {$1200.00} XXXX {$1700.00} XXXX {$2600.00} XXXX {$140.00} ALL THE ACCOUNTS LISTED ABOVE GO FROM ON TIME IN XXXX OF XXXX TO 90 DAYS LATE XX/XX/XXXX AND 120 DAYS LATE XX/XX/XXXX. 

THIS IS CLEARLY INACCURATE. I MUST BE 30, 60 DAYS LATE BEFORE 90. THE CONSUMER REPORT MUST REPORT ACCURATE INFORMATION PER 15 USC 1681EB. ALSO THE ACCOUNT HAS NOT BEEN UPDATED BY THE FURNISHER SINCE XX/XX/XXXX. 

XXXX -- -- ACCT # XXXX THE LAST UPDATE WAS XX/XX/XXXX BUT EXPERIAN VERIFIES THIS ACCOUNT AS REPORTING ACCURATE. THIS IS NOT MY DEBT AND I DO NOT OWE THIS. 
REMOVE FROM ACCOUNT. 

THIS IS MY THIRD AND FINAL ATTEMPT TO REMEDY THESE GRAVE INACCURACIES BEFORE INITIATING LITIGATION PURSUANT TO 15 USC 1681N AND 15 USC 1681O. 

ALSO PLEASE REMOVE ALL NAMES EXCEPT FOR MY GIVEN NAME XXXX XXXX XXXX. 

REMOVE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX I ONLY HAVE ONE ADDRESS. THOSE ARE NOT MY ADRESSES.

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