Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of an account associated with XXXX XXXX XXXX by Experian and XXXX. This account was previously disputed as part of an identity theft claim. Despite my prior dispute, the inaccuracies remain unresolved. Furthermore, XXXX XXXX XXXX certified to Experian that the information is accurate without providing verifiable evidence, such as bank statements, to substantiate this certification. I am now disputing the ongoing inaccuracies in late payment reporting, missing data, and the account number.

Screenshot Evidence of Certification As shown in the attached screenshot, XXXX XXXX XXXX certified the accuracy of the reported information to Experian. However, this certification was made without any transparent or verifiable supporting documentation. 

Report Number : XXXX Account : XXXX Certification Date : XX/XX/XXXX The ongoing inaccuracies in the reported payment history and account number demonstrate that this certification was improper and requires immediate review. 

Background on Prior Identity Theft Dispute This account was part of a prior identity theft dispute. While the dispute did not result in the removal of the account, I continue to dispute the accuracy of the payment history and the account number. I do not recognize this account as mine and am requesting immediate investigation of the reporting inaccuracies and production of verifiable evidence, such as bank statements, to substantiate any claims of delinquency. 

Specific Reporting Discrepancies and Requests 1. Payment History for XXXX : XX/XX/XXXX : Experian : Reports 30 days late. 
XXXX : Reports on-time. 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements to substantiate the XX/XX/XXXX late payment reported by Experian. If no documentation is provided, the entry should be corrected to reflect an on-time payment. 
XX/XX/XXXX : Experian : Reports 30 days late. 
XXXX : Reports on-time. 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements to substantiate the XX/XX/XXXX late payment reported by Experian. If no documentation is provided, the entry should be corrected to reflect an on-time payment. 
2. Payment History for XXXX : XX/XX/XXXX : Experian : XXXX " CO '' ( charge-off ). 
XXXX : Reports " CO '' ( charge-off ). 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements verifying the charge-offs reported for XX/XX/XXXX. If no documentation is provided, these entries should be corrected to reflect on-time payments. 
XX/XX/XXXX : Experian : Reports " CO '' ( charge-off ). 
XXXX : Reports " CO '' ( charge-off ). 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements verifying the charge-offs reported for XX/XX/XXXX. If no documentation is provided, these entries should be corrected to reflect on-time payments. 
XX/XX/XXXX : Experian : Reports " CO '' ( charge-off ). 
XXXX : Reports " CO '' ( charge-off ). 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements verifying the charge-offs reported for XX/XX/XXXX. If no documentation is provided, these entries should be corrected to reflect on-time payments. 
XXXX XXXX : Experian : Reports " ND '' ( XXXX XXXX ). 
XXXX : Reports on-time. 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements or transaction records to substantiate any claims of delinquency for XXXX XXXX. If no evidence is provided, Experians entries should reflect on-time payments. 
XX/XX/XXXX : Experian : Reports " ND '' ( XXXX XXXX ). 
XXXX : Reports on-time. 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements to substantiate any claims of delinquency for XX/XX/XXXX. If no evidence is provided, Experians entry should reflect an on-time payment. 
XXXX. XXXX XXXX for XXXX : XX/XX/XXXX : Experian : XXXX " CO '' ( charge-off ). 
XXXX : Reports on-time. 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements to substantiate the charge-off reported for XX/XX/XXXX. If no evidence is provided, Experians entry should reflect an on-time payment. 
XX/XX/XXXX : Experian : Reports " ND '' ( XXXX XXXX ). 
XXXX : XXXX " CO '' ( charge-off ). 
XXXX : No data. 
Request : XXXX XXXX XXXX must provide bank statements to substantiate the charge-off reported for XX/XX/XXXX. If no evidence is provided, XXXX entry should reflect an on-time payment. 
Incorrect Account Number The account number reported by Experian and XXXX does not match the correct account number for the XXXX XXXX XXXX account. 

Request : XXXX XXXX XXXX must provide documentation to confirm the correct account number and ensure accurate reporting across all credit reporting agencies. 
Issues with XXXX XXXX XXXX : Fails to provide any payment history for XXXX, XXXX, or XXXX. 
Request : XXXX must provide detailed payment history for these years or officially state why no data is reported. If no data exists, I request confirmation in writing. 
Legal Basis Under the FCRA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ), credit reporting agencies and creditors must ensure accurate and verifiable reporting. Additionally, creditors must provide supporting documentation ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). Any unverifiable data must be corrected or removed. XXXX XXXX XXXX certification of accuracy without transparent verification violates these obligations.

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