Consumer complaint received 2024-08-30 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: CA

Complaint narrative:
In Addition to complaints # XXXX, XXXX and XXXX I should have mentioned that according to Accuracy of Report : 15 USC 1681 ( e ) b Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX is in clear violation of the law According to XXXX XXXX XXXX XXXX XXXX  is supposed to ensure the maximum possible accuracy. This account violates these laws : L 15 USC 1681i, 15 UCS 1681s2, 15 UCS 1681i5, 15 UCS 1681eb. I have asked them to Delete the Account.

Not only that but I spent over 3 hours today on the phone and the person I spoke to would refuse to change anything I have asked that my address be accurate I never lived at over 8 I had them taken down and they are still wrong. Also if the dates are not accurate, not to mention my name on one of them, phone numbers, addresses, missing my house purchase for {$370000.00} plus a lot of taxes electric, garbage, HOA, Cable, internet, rentals, are missing that is a huge bonus for my credit score I owned that house for years and I was never late on a single payment.

I asked if they had no proof and no modifications to the previous dispute to remove it, today i said to remove and close without proof they canceled my request for a dispute almost 40 days later and said he had nothing reported since XX/XX/XXXX. NOTHING was reported I have a dispute from XXXX XXXX that is not accurate and my name XXXX is not XXXX. Yet they still added collections for a place I disputed over 30 days ago and there is no proof from XXXX XXXX XXXX or the collections agency XXXX XXXX XXXX XXXX XXXX and I even sent emails, physical mail and no replies. DELETE this account Including ll credit HARD PULLS and SOFT PULLS that I disputed and gave them the info on this they hae not changed it but I also reported this to I also included a FTC Report number XXXX. 

These are all on file with CFPB but I since called a lawyer and realized they are doing all these antics and not their job so I want this fixed so i can have my life back and get a loan without Experian, XXXX and XXXX in control of my finances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated that disputes that are inaccurate, incomplete, or too old so if one of the three are reporting inconsistently then one of them must be inaccurate so I can litigate this with a FEDERAL LAWSUIT due to reporting inconsistency, if Experian says my open date is XXXX XXXX XXXXXXXX says open date XXXXXXXX XXXX XXXXXXXX says open date XXXX XXXX  at least one is wrong. I will win the case.

Here are my original complaints and I would like this against XXXX because they hung up on me twice after over an hour on hold. Again in chat they refused to give me account access. I have copies of the chat saved for that s well. These are all in conjunction with : XXXX, XXXX and XXXX all should have accounts deleted of ALL Hard Pulls, Soft Pulls and Collections.

I called them and was hung up on and XXXX closed my case today when i said i wanted it REMOVED they CANCELLED the report. They only sent me the original credit report no changes and called it from XX/XX/XXXX and prior they said they never had anything from me yet i have had credit for 22 years and they have not done anything and in 4 months calling them no notes, nothing. 

Today they now at least said oh yeah on the XXXX there was a dispute we cancelled it no it should be resolved and taken off. XXXX and Experian left it on since XX/XX/XXXX which has not allowed me to get a loan or a credit card to improve mycredit but they keep dropping my credit for not having XXXX that I can not get approved for because of this. I can not believe this is my financial future. They have had more that 30 days since I filed the official dispute. I have been calling, emailing and physically mailing them Since XX/XX/XXXX and also in XX/XX/XXXX, when I was getting calls from collections they have no record and how is my house missing for a positive score? 

Please help and have them delete my account as the info is not accurate I should get a perfect score. 

Thanks, - XXXX XXXX XXXX - XXXX or XXXX PS I also asked for this : Please provide how this was verified and the Accuracy of the Report. As stated in 15 USC 1681i7 provide me with the information. I would also like to know how it was updated and/or modified under 15 USC 1681i5

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