Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX. I sent out a certified dispute ( Certified mailing number XXXX ) to Experian. In this dispute letter I clearly disputed with proof of error between Experian and XXXX Credit report, The creditor XXXX XXXX XXXX XXXX # XXXX. In This letter I provided copies of the erroneous errors and the inaccuracies between the information provided from both credit bureaus, ( Which I have provided copies to this complaint as well for official use in regard to escalating this matter with the attorney general ). 

Pursuant to FCRA 15 U.S.C 623 " A furnisher of information, such as Experian and XXXX MUST NOT furnish inaccurate consumer information to CRA '' Experian and XXXX have both openly and willingly taken apart of violating i5 USC 623 and doubled down by also partaking in both Unlawful Business Practices as well as Unfair Trade Practices being that this is now affecting my credit and causing me treble damages being Experian and XXXX are providing inaccurate and egregious information. 

The letter was sent out Certified mail and Experian received my Certified dispute letter on XX/XX/XXXX, of XXXX. 

By FCRA Experian and XXXX MUST REMOVE all inaccurate information from my credit report in which they failed to do even upon receiving clear proof of inaccuracy. Under FCRA Experian nor XXXX have the right to FALSELY claim nor state that the item is " Verified as Accurate '' NOR Choose to " Update '' any accounts after being shown the inaccuracies. ALL accounts with any discrepancy, inaccuracy or false information pursuant to FCRA MUST BE COMPLETELY REMOVED from a consumers credit file!! Which They did not do. 

I received an email today XX/XX/XXXX that " My dispute results are in '' Which is very very strange because Experian nor XXXX NEVER opened an actual dispute in this matter and no dispute statuses were ever given. HOWEVER, Somehow 10 Days after receiving my certified letter, Experian Claims that they partook in " Verifying '' the information which to be frank, is a flat out lie. There is NO WAY an accurate Verification process took place from Experian or XXXX 's end within 10 days. Please note that in this disputed letter I sent I also requested a METHOD OF VERIFICATION from both Experian and XXXX in which I never received. 

Experian and XXXX have now breached FCRA law and Consumer rights. I as the consumer did my part by providing proof of inaccuracy and requesting the item being completely removed from my credit Reports. BOTH Experian and XXXX yet again, decide to openly break FCRA and Consumer law by partaking in frivolous, unlawful business practice, and unfair trade practice.

Please be aware that in the attached files the most recent dispute response from Experian DOES NOT show any creditor or account number that was supposedly disputed but somehow was verified as accurate.

Please note and be aware that this complaint is for documentation and escalation purposes, as this will be used for the purpose to show good faith from my end in this matter prior to filing this issue with the Attorney general and a lawsuit.

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