Consumer complaint received 2025-01-24 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:
In my attempts to dispute inaccurate account information from Experian Credit Bureau. I have received no dispute investigations results. Each dispute came back as always accounts " Verified As Accurate ''. In the consumer dispute process, Experian did not conduct a through investigation, in which consumer would not receive any dispute results. You Experian, rountinely accepts the furnishers original response. 

Even, when the response was improbable or logical on its face valve. Or the furnisher is unreliable in disputed information being provided. Due to the recent lawsuit filed against Experian. I insist that you conduct an investigation, as you are required by federal law. 

I explicicity say that you do not accept the findings of the furnisher whom do not provide verified prooof by way of the XXXX computerized form. Sent by you Experian to the furnisher to conduct the investigation as you will be liable. 

This is done by Experian, not submitting the XXXX form. A computerized XXXX stands for automated Cedit Dispute XXXX. Its the process that uses e-oscar system to exchange information between credit reporting agencies ( CRAs ) and data furnishers. 

Experian, I am aware that you do not submit this eletronic form to intiate the investigation process. Which, is to be submitted with the consumer dispute processs. Without this form submitted, eoscar will generate automactically a response to dispute as " As Verified As Accurate ''. 

Thus, no investigation results of the inaccurate negative accounts will be provided to the consumer. I reuest that a Investigation be conducted into the list of inaccurate accounts listed below : Type of Account : Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that as it pertains these federal statues under the FCRA, specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i , 15 USC 1681 ( 5 ), AND 15 usc 1681c ( c ). Furthermore, as per Federal Law 605B these accounts be investigated. 

And upon completion of investigation using the required XXXX mandated computerized form process. That these accounts reflect as have been investigated, if not delete all the accounts and provide me with a copy of verification that the XXXX was used. 

If the XXXX, computerized form was not used then the investigations results will returned. As, the standard e-oscar generated response of " Verified As Accurate ''. Which will verify that no investigation was conducted. " I DEMAND TO SEE EVERY DETAILED, STEP OF EACH ITEM ON THE ACCOUNT INVESTIGATED CONCERNING EVERY PIECE OF INFORMATION. if not verified, then delete the accounts from my Experian, credit files.

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