Consumer complaint received 2024-03-22 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: TX

Complaint narrative:
I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX XXXXe. All 3 returned as validated but provide no evidence after a re-investigation. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 


XXXX XXXX XXXX XXXX contains the following errors and more on these respective CRA report. 

XXXX : report shows charge off XX/XX/XXXX but continued late payments following. Reports list account as joint. Other missing and incomplete data. 

XXXX : shows incomplete data dating back to XXXX. Term duration listed as 9 months. Other missing data Experian shows history to XXXX. Experian Reports account as joint with XXXX XXXX. Account charged off. {$17000.00} written off. {$26000.00}. Other missing or innaccurate data. Experian claims to have reinvestigate, but no other documentation or information was ever produced. 

Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to : XXXX XXXX XXXX. XXXX, XXXX XXXX According to the provisions of XXXX ( 15 USC 1681j ), there should be no charge for this 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