Consumer complaint received 2024-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX To Whom It May Concern, I have sent disputes to XXXX, XXXX AND EXPERIAN on the following creditor ( s ) : 1. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 
Bankruptcy : Discharged XXXX Case Number : XXXX I visited this court house and requested changes be made to the three credit bureaus XXXX, XXXX and Experian. I informed them that not only was the court name listed different on all three bureaus it was incorrect. The reference number is listed different on all three bureaus. The date filed is listed incorrect and different on all three bureaus. The clerk at the courthouse informed me that they DO NOT VERIFY OR SUPPLY any reporting agency information. Remove this listing immediately because it is inaccurate and was never verified by this courts listed on this report.

3. VIOLATION OF 15 USC 1692g. Validation of debts XXXX XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

4. VIOLATION OF 15 USC 1692g. Validation of debts XXXX XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

5. VIOLATION OF 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXXXXXX Account Number : XXXX 7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I have given them 30 days and resent another dispute letter because I recieved no response. After day 60 I called XXXX, XXXX AND EXPERIAN all three of them said the information was verified. From the information I was given is that I should sent the creditor a dispute asking for a " method of verification ''. I sent another letter to the creditor ( XXXX ) and again 30 days went by with no response. So i sent another letter requesting this " method of verification '' and now day 60 with no response. I feel as if I am getting blown off from the creditors as well as the three burueas. I need help and all I am getting is bounced back and forth from the creditor to the burueas. Can you please assist in this matter? 



Sincerely yours, XXXX XXXX

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