Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 

This is what one of the more recent letters : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : Experian : XXXX XXXX : XXXX Balance : {$650.00} Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} Date Opened : XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : XXXX  Violations and Discrepancies : Inconsistent Dates : The Date Opened differs between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
The Date Last Active is reported as XX/XX/XXXX on Experian but XX/XX/XXXX on XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates maximum possible accuracy in consumer reports.

1. Failure to Verify Information : This account lacks proper validation, including supporting documentation or evidence to substantiate its accuracy or legitimacy. This violates : FCRA, Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], requiring disclosure of the source and accuracy of disputed information.

Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], requiring debt collectors to validate debts upon request before further collection or reporting activity.

2. Improper Reporting of Account Status : The account is reported as " Collection/Chargeoff '' without adequate explanation or proof, breaching : FCRA, Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits furnishing inaccurate or incomplete information.

FCRA, Section 623 ( b ) ( 1 ) ( B ) [ 15 U.S.C. 1681s-2 ], which obligates furnishers to investigate disputes thoroughly and report accurate findings.

3. Re-aging of Debt : The " Date Last Active '' is listed inconsistently across Experian and XXXX, suggesting potential re-aging of the debt to extend its reporting period. This is a violation of : 4. 2 of 7 FCRA, Section 605 ( a ) [ 15 U.S.C. 1681c ], which limits the reporting of adverse information to seven years.

FDCPA, Section 807 ( 2 ) ( A ) [ 15 U.S.C. 1692e ], which prohibits deceptive practices in the collection or reporting of debts.

Failure to Notify of Dispute : If this account was furnished to the credit bureaus while in dispute, the furnisher has violated FCRA, Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ], which requires disputes to be noted in subsequent reports.

5. Failure to Conduct a Reinvestigation : If this account has been disputed and remains unchanged without evidence of a proper reinvestigation, the credit bureaus have violated FCRA, Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], which requires disputes to be investigated within 30 days.

6. Improper Collection Activity : By continuing to report this account without validation or resolution, the debt collector may also be in violation of : FDCPA, Section 805 ( a ) ( 1 ) [ 15 U.S.C. 1692c ( a ) ], which limits communication about debts under certain conditions. FDCPA, Section 808 ( 1 ) [ 15 U.S.C. 1692f ], which prohibits unfair or unconscionable means to collect or report a debt.

7. Demand for Action : I demand that this account be permanently deleted from my credit reports with Experian and XXXX. Additionally, I require written confirmation of its deletion within 10 business days.

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