Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Complaint Regarding Inaccurate and Unresolved Credit Report ItemsTo Whom It May Concern, I am submitting this formal complaint to address multiple unresolved inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ) found in my consumer credit reports. Despite prior requests for removal and disputes filed, the following accounts and violations remain on my report without proper resolution.Accounts in Violation : XXXX XXXX XXXX ( Reported as derogatory, closed, charge-off ) Account shows no account number for identification. 

Previously disputed but remains unresolved and inaccurate. 

XXXX XXXXXXXX XXXX ( Multiple entries reported as closed, charge-offs with incorrect balances ) Accounts reflect unresolved charge-offs and inaccurate reporting. 

Dispute remarks indicate the issue was resolved, but no updates were made. 

XXXX XXXX ( Reported as derogatory, charged off ) Account inaccurately reflects a past due balance with no account number provided. 

Unresolved despite prior disputes filed. 

XXXX XXXXXXXX XXXX ( Collection account with disputed remarks ) Reported as a derogatory collection ; consumer dispute acknowledged but unresolved. 

XXXX XXXX  ( Closed, charge-off with incorrect details ) Reflects inaccurate balance and payment history. 

Account does not list account number or correct dispute updates. 

XXXX  ( Active account with inaccurate historical data ) Payment history contains discrepancies. 

No updated dispute resolution reflected. 

XXXX XXXX ( Multiple accounts with unresolved charge-offs and disputes ) Accounts inaccurately reflect past due balances and unresolved disputes. 

No account numbers listed for identification. 

XXXX ( Reported as closed, charge-off ) Account lacks clarity in reporting and dispute resolution. 

Consumer requested removal, which remains unaddressed. 

XXXX ( Active derogatory account ) Reports unresolved collection remarks and inaccuracies. 

No updates following disputes.\ \\ \Violations and Request for Resolution : \ \\ \Per the FCRA and my rights as a federally protected consumer, I am formally requesting the following corrective actions be taken immediately : Opting Out of Unauthorized Access : I hereby revoke any and all authorization, written or unwritten, verbal or non-verbal, for the listed furnishers to report or access my consumer data under 15 U.S.C. 6802. 

Address Removal : Please delete all non-mailable addresses from my report, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My current and only mailable address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Deletion of Inaccurate Information : Remove all accounts listed above due to unresolved disputes, missing account numbers, and violations of FCRA provisions regarding accurate and verifiable reporting. 

XXXX XXXX : Provide written confirmation that the above actions have been taken and update all credit bureaus accordingly.Despite prior disputes and requests for investigation, the inaccuracies in these accounts remain unaddressed. This demonstrates non-compliance with FCRA standards. I demand immediate correction to ensure the integrity of my consumer report.Thank you for your attention to this matter. Please confirm receipt of this complaint and notify me of any updates or required additional actions. I look forward to a prompt resolution. emotional distress, also added proof that these accounts were reinserted after a won case with cfpb without monetary relief but deletions

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