Consumer complaint received 2024-11-07 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: WI

Complaint narrative:
This letter is a formal complaint that XXXX and XXXX XXXX and Experian are still reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish credit reporting laws ensure that bureaus report only 100 % accurate credit information every step must be taken to assure the information reported is completely accurate and correct the following information therefore needs to be re-investigated according to the fair credit reporting act section 609 ( A ) ( 1 ) ( A ) a says you are required by federal law to verify through the physical verification of the original signed contract any and all accounts that you post on credit reports otherwise anyone paying for your reporting services could fax mail or email in a fraudulent account. I demand to see verifiable proof, which is an original consumer contract with my signature on it that you have on file for the account listed below your failure to positively verify these accounts has hurt my ability to obtain credit under the FCRA unverifiable accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX  XXXX # XXXX and # XXXX are still inaccurate and XXXX  # XXXX is still reporting inaccurate. I respectfully request to be provided proof of these alleged items. Specifically, the contract, the note or other instrument bearing my signature failing that these items must be deleted from the report as soon as possible .I have disputed these items XXXX times and it keeps coming back verified and I have spoken with these creditors and they refuse to give me a copy of the 1099C because if they are reporting this as a write off for a tax credit and reporting this debt is past due on a closed account and re- aging the account every time I dispute the accuracy This is fraud. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting, please delete the misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes. Additionally, please provide the name, addresses and telephone number of each credit grantor or other subscriber under federal law, you have 30 days to complete your investigation be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well to be provided within 15 days of the completion of your investigation. In addition, I am formally requesting a XXXX from XXXX  XXXX and XXXX  because they said they have not written it off per our phone conversation but why are they still reporting it on my credit report balance due on my report that says they have written these accounts off this is fraud and Im ready to sue for statutory damages. These accounts should have a zero balance because of the tax credit .its not a good enough response to say we havent charged it off yet then you shouldnt be reporting false information.

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