Consumer complaint received 2024-04-03 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: MI

Complaint narrative:
I noticed multiple inaccuracies on my credit report regarding a collection account with XXXX XXXX XXXX XXXX. Thus, I launched disputes online and via certified mail with Experian regarding these inaccuracies. The online dispute was verified as accurate ( attached Exhibit A- results of my online Experian dispute from XX/XX/2024 ), and on XX/XX/2024 I sent a notarized, signed Affidavit of Fact and Truth ( attached Exhibit B ) to Experian in XXXX XXXX XXXX  via certified mail ( attached Exhibits C- USPS certified mail tracking number and D- USPS certified mail received receipt ). They received the dispute, they did not change anything on my report nor did they notify me of results. Experian is clearly in violation 12 CFR Part 1022 ( Regulation V ) requiring Experian to ( 1. ) furnish information concerning accounts or other relationships with a consumer that has integrity and ( 2. ) conduct reasonable investigations of consumer disputes.

I found the following 3 negligent VIOLATIONS OF THE LAW : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), states furnishers of information are obligated to provide accurate information and follow reasonable procedures to assure maximum possible accuracy. Information regarding the creditor/ collector of the debt shown on my credit report is part of that obligatory accurate information. Information of the CORRECT amount of debt claimed to be owed is also part of that obligatory accurate information. Experian was notified on XX/XX/2024 of inaccuracies on this account that violate the FCRA following an initial online dispute in XX/XX/2024 ( Exhibit A ). I sent a notarized ( attached Exhibit I ) Affidavit of Fact and Truth ( attached Exhibits B, C and D ) with attached proof of my claims. My credit report from XX/XX/XXXX ( attached Exhibit E ) shows collector contact information provided to me by Experian regarding a debt with XXXX XXXX XXXX XXXX, account number XXXX to be blatantly INACCURATE, lacking INTERGRITY. The collection agen

cy- XXXX XXXX XXXX XXXX- moved cities, but never updated the credit bureau and Experian continues to report inaccurate and UNFAIR information on my account. I had to go on a wild goose-chase to find their correct contact information. Experian did not reinvestigate the inaccuracies on this account following receipt of the dispute on XX/XX/XXXX and everything about this account remains the same on my credit report of XX/XX/2024 ( attached Exhibit F ). The website for XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) shows their correct address in XXXX XXXX, listed under contact information ( attached Exhibit G ). In addition, I have an attached email ( attached Exhibit H ) from XXXX XXXX XXXX XXXX on XX/XX/2024 showing their mailing address as XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX and a footnote on the email claiming, Please note we have moved from XXXX to XXXX. Please Update your records to reflect our new address. They obviously did not follow their own advice and update their own address on my credit report. Experian continues to report incorrect contact information. XXXX XXXX XXXX XXXX still has XXXX XXXX XXXX XXXX XXXXXXXX MD XXXXXXXX as their contact information on my credit report as of XX/XX/XXXX ( Exhibit F ). 

In addition to the INCORRECT contact information of my collection account, I also listed several metro 2 violations and a violation against 15 U.S.C. 1681s-2 ( a ), showing INCORRECT amount owed for this debt. On my reports ( Exhibits E and F ) it shows {$2400.00} - which is inaccurate and MORE than I actually oweXXXX XXXX XXXX XXXX XXXX  sent me an email ( Exhibit H ) showing the actual amount due is {$2400.00}. My credit report from XXXX XXXX  still shows this INACCURATE amount being due even after notification of inaccuracies on the XXXX XXXX XXXX XXXX account via an online dispute, and also a notarized letter of Affidavit of Fact and Truth sent via certified mail. Therefore, this is a DIRECT VIOLATION of the FCRA.

2. Fair Debt Collection Practices Act 15 U.S.C. 1692e-2 ( a ), states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including the false representation of the character, amount, or legal status of any debt. Following the first online dispute in XX/XX/2024, the following comment appeared on my credit report, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This comment has remained on my Experian credit report since ( Exhibits XXXX and F ) even though I continue to point out blatant violations of this account against the FCRA. I notified Experian about this comment in the notarized, certified Affidavit of Fact and Truth they received on XX/XX/2024 ( Exhibits B, C, ad D ). This comment still appears on my credit report as of XX/XX/2024 ( Exhibit F ). 

XXXX. XXXX XXXX Practices Act 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. Experian obviously did not reinvestigate the inaccuracies on this account following receipt of the dispute on XX/XX/XXXX. I was not notified of any results and the inaccuracies listed above remain on my credit report of XX/XX/2024 ( attached Exhibit F ). Theyve had over 39 days to respond but they did not. I received no investigation results. No correspondence from this credit reporting agency at all. The information I disputed including wrong amount owed and wrong collection agency information and wrong remains on my report even though I supplied proof of inaccuracy. Experian has had ample time to reinvestigate and make changes, they did not do so. Experian is blatantly violating the Fair Credit Reporting Act laws 15 U.S.C. 1681s-2 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and the Fair Debt Collections Practices Act 15 U.S.C. 1692e-2 ( a ) Please ensure this account is deleted ( in accordance with 15 U.S.C. 1692e-2 ( a ) ) from my report before I pursue legal action. 

Exhibits List : A- Results of the online dispute from XX/XX/20XXXX XXXX  Affidavit of Fact and Truth sent to Experian via certified mail C- Receipt from USPS showing tracking number of the certified mail to Experian D- Verification of receipt of the certified mail by Experian E- Experian Credit Report from XX/XX/XXXX F- Experian Credit Report from XX/XX/XXXX G- Screenshot of XXXX XXXX XXXX XXXX  Contact Information showing correct address H- Email from XXXX XXXX XXXX XXXX showing their correct address I- Copy of the Notary Publics stamp that was on the Affidavit sent to Experian

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