Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian on several occasions disputing an account that I specifically asked Experian to investigate thoroughly to verify the alleged XXXX XXXX account # XXXX for {$810.00}. If it is not verifiable, I request the removal of the account. The last two times, Experian sent updated credit reports stating the accounts were verified as accurate and the accounts were accurately reported by the data furnisher. 
I proceeded to do my due diligence and contacted XXXX XXXX requesting debt validation of an account ending with XXXX. 
There is a total of two letters specifically that XXXX XXXX sent about the alleged account ending in XXXX. ( see attachment to this complaint ) In the first letter, XXXX XXXX indicated they did not know if an application was taken over the phone or the Internet and that they couldnt provide evidence of supporting documentation to validate the account to me. Letter-2 for the account ending in XXXX, XXXX XXXX indicated they allegedly received an application via the internet and stated dates and amounts in the letter that do not match what has been recorded on my Experian credit report. In addition, they allegedly stated the account was opened with a valid contract but could not provide a paper copy to send me bearing my signature. 
I took the liberty of going to the Experian website to upload these letters and received a message that stated : You have previously disputed this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. 
However, it would not allow me to upload the documentation via the online dispute portal. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( 5 ) ( A ), I am entitled to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. If, after the reinvestigation, the disputed information is found to be inaccurate or can not be verified, the credit bureau must delete the information. According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), XXXX  XXXX was not able to validate the account. This is questionable as to why Experian would state under their investigation that the information you disputed has been verified as accurate. How can Experian say this account is accurate when one, the creditorXXXX XXXX can not validate the account belonging to me by providing me with copies of any documentation associated with this account bearing my signature? And two, there are inconsistencies about the payment history on the letter then whats reported on my Experian Credit report. This is defamation of character and a violation of the Fair Credit Reporting ACT.

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