Consumer complaint received 2024-09-23 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: TN

Complaint narrative:
I am writing to formally file a complaint against both Experian and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my Experian credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by Experian : The first issue being Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting XXXX XXXXXXXX XXXX webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves XXXX XXXX XXXX. Despite this, Experian continues to list XXXX XXXX as the creditor, rather than XXXX XXXX XXXX, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount XXXX XXXX XXXX is attempting to collect, even after Experian updated my credit report to reflect a CLOSED balance of XXXX, XXXX XXXX XXXX shows a balance of XXXX. Adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with Experian on XX/XX/2024. However, my dispute was closed XXXX hours later with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. Experian failed to conduct a thorough investigation into my claims. Due to this lack of diligence from Experian and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both Experian and XXXX XXXX XXXX, Experian for not conducting a proper investigation and violating my rights, and XXXX XXXX XXXX for the harm caused by their shear disregard and manipulation of the law. Both agencies allowing this violation has caused me mental and physical anguish due to their failure to properly investigate this matter. I will also include due to the severity of violations If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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